Find FHA Loan Specialists Near You in Jacksonville Beach, FL
Looking for a fha loan specialist in Jacksonville Beach? 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 Jacksonville 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.
What Does a FHA Loan Specialist in Jacksonville Beach Cost?
Typical costs for FHA loan specialist services in Florida include an origination fee of 1% to 1.5% of the loan amount, plus an upfront mortgage insurance premium (UFMIP) of 1.75% of the base loan amount. Annual mortgage insurance premiums (MIP) range from 0.45% to 1.05% depending on loan term and loan-to-value ratio. Appraisal fees in Jacksonville Beach average $500 to $700. These costs vary by lender and borrower situation. This is general information, 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 do in Jacksonville Beach?
An FHA loan specialist guides borrowers through the FHA loan process, including pre-approval, documentation, and closing. They ensure the loan meets FHA guidelines and Florida-specific requirements, such as property condition standards and flood insurance rules.
What are the minimum credit score requirements for an FHA loan in Florida?
FHA loans typically require a minimum credit score of 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. Florida lenders may have additional overlays beyond FHA minimums.
Are there Florida-specific rules for FHA loans?
Yes, Florida law requires all mortgage loan originators to be licensed and pass a background check. FHA loans in Florida also require flood insurance for properties in designated flood zones, which is common in coastal areas like Jacksonville Beach.