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Looking for a fha loan specialist in Estero? Review the directory below to compare your options.
8 agents listed
Updated May 2026
Estero, FL
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 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.
New American Funding - Viri Martinez
23150 Fashion Dr, Estero, FL 33928
2395375485
Joe DeMarco
23150 Fashion Dr Suite 237, Estero, FL 33928
8156695905
Giovanni Matita Be Your Gift Group Powered by New American Funding
23150 Fashion Dr Suite 237, Estero, FL 33928
2392535939
Moore Lending Team
23190 Fashion Dr P205, Estero, FL 33928
2398510320
Gator Mortgage Services
21500 Berwhich Run, Estero, FL 33928
8472787175
Armando Vega, Moore Lending Group
23190 Fashion Dr P#205, Estero, FL 33928
2396452350
New American Funding - Estero, FL
23150 Fashion Dr Unit T237 & T238, Estero, FL 33928
2393761825
Gregory Hunt - Mortgage Loan Officer
8660 Corkscrew Rd, Estero, FL 33928
9083093189
An FHA loan specialist in Estero, Florida helps homebuyers navigate FHA-insured mortgages, which are popular for first-time buyers and those with lower credit scores. In Florida, FHA loans require a minimum down payment of 3.5 percent and must meet specific property condition standards. Estero buyers often work with specialists familiar with local home values and Florida-specific flood insurance requirements.
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.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Florida.