Find FHA Loan Specialists Near You in Estero, FL
Looking for a fha loan specialist in Estero? Review the directory below to compare your options.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Florida before hiring.
Showing 8 fha loan specialists in Estero, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
What Does a FHA Loan Specialist in Estero Cost?
Typical costs for an FHA loan in Florida include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, which can be financed into the loan. Annual mortgage insurance premiums (MIP) range from 0.45 to 1.05 percent of the loan balance. Closing costs in Estero generally range from 2 to 5 percent of the purchase price, including lender fees, title insurance, and appraisal fees. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What credit score do I need for an FHA loan in Estero Florida?
Most FHA lenders in Florida require a minimum credit score of 580 for the 3.5 percent down payment option. Borrowers with scores between 500 and 579 may still qualify but must put down at least 10 percent. Each lender may set its own requirements above the FHA minimum.
Are there FHA loan limits for Estero Florida?
Yes, FHA loan limits vary by county. In Lee County, which includes Estero, the 2025 FHA loan limit for a single-family home is typically around $498,257 for low-cost areas and higher for high-cost areas. These limits change annually based on median home prices.
How long does an FHA loan process take in Florida?
The typical FHA loan process in Florida takes 30 to 45 days from application to closing. Florida law requires a 7-day right of rescission for refinances but not for purchase loans. Delays can occur due to appraisal issues or property condition requirements.