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Directory of fha loan specialists in Gainesville, Florida. Verify credentials with the state state mortgage licensing authority before hiring.
17 agents listed
Updated June 2026
Gainesville, 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 State Mortgage Licensing Authority of Florida before hiring.
Showing 17 fha loan specialists in Gainesville, 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.
An FHA loan specialist in Gainesville Florida can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. These specialists help buyers with lower credit scores or smaller down payments qualify for home financing in Alachua County.
What Does a FHA Loan Specialist in Gainesville Cost?
Typical costs for FHA loan specialist services in Florida include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual mortgage insurance premium (MIP) ranging from 0.45% to 1.05% depending on loan terms. Closing costs in Gainesville generally range from 2% to 5% of the purchase price. These costs can vary based on your credit score loan amount and lender 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 does an FHA loan specialist in Gainesville do?
An FHA loan specialist helps you understand FHA loan requirements, pre-qualify for a mortgage, and submit your application. They also explain Florida-specific rules such as property flood insurance requirements in Alachua County. Their goal is to guide you through the entire loan process from application to closing.
What are the FHA loan limits for Gainesville Florida?
For 2024 the FHA loan limit for a single-family home in Alachua County is $498,257. This limit applies to most areas in Gainesville. Higher limits may apply for duplexes triplexes or four-unit properties. Your FHA loan specialist can confirm the exact limit for your specific property type.
Do I need a special license to work with an FHA loan specialist in Florida?
Yes. All FHA loan specialists in Florida must hold a valid mortgage loan originator license issued by the Florida Office of Financial Regulation. This license requires passing a background check and completing pre-licensing education. You can verify a specialist license on the Nationwide Multistate Licensing System website.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of Florida.