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Compare fha loan specialists in Land O' Lakes. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Land O' Lakes, 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 3 fha loan specialists in Land O' Lakes, 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.
SunPoint Home Loans
2638 Stonewood Pk Lp, Land O' Lakes, FL 34638
8139207916
Equifirst Lending, LLC
7842 Land O' Lakes Blvd #105, Land O' Lakes, FL 34638
8134186916
MIB Mortgage
19731 Ellendale Dr, Land O' Lakes, FL 34638
8135014550
FHA loan specialists in Land O Lakes Florida help homebuyers secure loans insured by the Federal Housing Administration. These loans are popular in Pasco County due to lower down payment requirements and flexible credit standards. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation.
What Does a FHA Loan Specialist in Land O' Lakes Cost?
Typical costs for an FHA loan specialist in Florida include an origination fee of 1 to 2 percent of the loan amount. The upfront mortgage insurance premium UFMIP is 1.75 percent of the base loan amount. Annual mortgage insurance premiums MIP range from 0.45 to 1.05 percent depending on loan term and loan-to-value ratio. Appraisal and credit report fees add several hundred dollars. 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 Land O Lakes Florida in 2025?
For 2025 the FHA loan limit for a single-family home in Pasco County is $498,257. Higher limits apply for duplexes triplexes and four-unit properties. These limits are set by the Department of Housing and Urban Development HUD.
What credit score is needed for an FHA loan in Florida?
Most FHA lenders 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. Each lender may set higher requirements.
Are FHA loans assumable in Florida?
Yes FHA loans are assumable by a qualified buyer in Florida. This can be a benefit if interest rates rise. The new borrower must meet standard FHA credit and income requirements.
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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.