Find FHA Loan Specialists in Lake Mary, FL
Compare fha loan specialists in Lake Mary. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Florida before hiring.
Showing 20 fha loan specialists in Lake Mary, FL
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FHA loan specialists in Lake Mary Florida help homebuyers 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. Lake Mary residents benefit from FHA loans that allow down payments as low as 3.5 percent for qualified borrowers.
What Does a FHA Loan Specialist in Lake Mary Cost?
Typical costs for an FHA loan in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Closing costs in Lake Mary usually range from 2 to 5 percent of the purchase price. Fees vary by lender and loan size. 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 the FHA loan limits for Lake Mary Florida in 2025?
For 2025 the FHA loan limit for a single-family home in Seminole County Florida is $524,225 for low-cost areas and up to $1,209,750 for high-cost areas. These limits are set by the U.S. Department of Housing and Urban Development and may change annually.
Do I need a specific license to be an FHA loan specialist in Florida?
Yes Florida requires all mortgage loan originators to hold a valid license through the Florida Office of Financial Regulation under Chapter 494 of Florida Statutes. The specialist must also complete annual continuing education on federal and state lending laws.
How long does the FHA loan process take in Lake Mary Florida?
The typical FHA loan process in Florida takes 30 to 45 days from application to closing. Florida law requires a 7-day rescission period after closing for refinances but not for purchase loans. Delays can occur if property appraisals or title searches take longer.