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Compare fha loan specialists in Flagler Beach. Review contact information and insurance categorys before you decide.
7 agents listed
Updated May 2026
Flagler Beach, 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 7 fha loan specialists in Flagler Beach, 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.
FLO Mortgage
212 Moody Blvd, Flagler Beach, FL 32136
3868829980
American Home Mortgage Group - The WAVE Team - Michael J. Akialis NMLS #832250
408 S Central Ave, Flagler Beach, FL 32136
3867935435
The Florida Mortgage Guy
316 S Ocean Shore Blvd, Flagler Beach, FL 32136
3866276400
Danielle Desousa, Mortgage Broker FL
408 S Central Ave, Flagler Beach, FL 32136
3863026002
WIN Mortgage LLC
316 S Ocean Shore Blvd, Flagler Beach, FL 32136
3862645772
Josh McPherson - Ameris Bank Mortgage
408 S Central Ave, Flagler Beach, FL 32136
3867934898
American Home Mortgage Group
408 S Central Ave, Flagler Beach, FL 32136
3864390515
FHA loan specialists in Flagler Beach Florida help borrowers secure government backed mortgages with lower down payments. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. Local specialists understand Flagler Beach coastal property values and flood insurance requirements for FHA loans.
What Does a FHA Loan Specialist in Flagler Beach Cost?
Typical costs for FHA loan specialist services in Florida include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.55 to 1.05 percent of the loan balance. Closing costs in Flagler Beach usually total 3 to 5 percent of the purchase price. 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 are FHA loan limits for Flagler Beach Florida?
FHA loan limits for Flagler County Florida are set by HUD and updated annually. For 2024 the single family home limit is $498,257. These limits apply to all FHA loans in Flagler Beach and surrounding areas.
Do I need flood insurance for an FHA loan in Flagler Beach?
Yes FHA requires flood insurance for properties in Special Flood Hazard Areas. Flagler Beach is a coastal community so many homes fall in these zones. Your specialist will review flood zone maps during the loan process.
What is the minimum credit score for an FHA loan in Florida?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Scores between 500 and 579 may qualify with a 10 percent down payment. Florida lenders may have overlays with higher minimums.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.