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Find FHA Loan Specialists Near You in Heathrow, FL
Compare fha loan specialists in Heathrow. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Heathrow, 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 2 fha loan specialists in Heathrow, 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.
ONE Presidential Mortgage
250 International Pkwy Suite 134-16, Heathrow, FL 32746
3212770597
Guild Mortgage - Chad Sandusky
250 International Pkwy Suite 134-3, Heathrow, FL 32746
4076630543
FHA loan specialists in Heathrow Florida help homebuyers navigate government-backed mortgage options. These professionals guide clients through Florida-specific requirements such as property flood zone disclosures and state homestead exemption rules. Working with a local specialist ensures you understand both federal FHA guidelines and Seminole County lending practices.
What Does a FHA Loan Specialist in Heathrow Cost?
Typical costs for FHA loan specialist services in Florida include origination fees of 0.5 to 1.0 percent of the loan amount and third-party fees for appraisal and credit report. Appraisal fees in Central Florida range from $500 to $700. Closing costs generally total 2 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 credit score is needed for an FHA loan in Heathrow Florida?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Florida lenders may apply additional overlays so check with a local specialist.
Are there Florida-specific FHA loan limits for Heathrow?
Yes FHA loan limits vary by county. For 2025 in Seminole County the FHA floor limit is typically around $498,257 for a single-family home. Higher limits apply for duplexes and larger properties. A specialist can confirm current limits for your target property.
Do FHA loans require mortgage insurance in Florida?
Yes FHA loans require both an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and annual MIP. In Florida this insurance is mandatory for the life of the loan if your down payment is less than 10 percent. The annual MIP rate ranges from 0.45 to 1.05 percent depending on loan terms.
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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.