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Find FHA Loan Specialists in Largo, FL

Looking for a fha loan specialist in Largo? Review the directory below to compare your options.

10 agents listed
Updated June 2026
Largo, 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 10 fha loan specialists in Largo, 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.
DDA Mortgage
1600 W Bay Dr Ste B, Largo, FL 33770
(727) 784-5555 ddamortgage.com
VanDyk Mortgage Corporation
801 W Bay Dr Suite 200, Largo, FL 33770
(727) 214-6451 vandykmortgage.com
Integrity Financial Services
13129 66th St N, Largo, FL 33773
(727) 531-0000 ifsmortgage.mymortgage-online.com
Sunshine Mortgage Brokers
801 W Bay Dr Ste 509, Largo, FL 33770
(727) 331-7948 smbrokers.net
Beach Line Mortgage Inc.
2401 W Bay Dr Suite 117, Largo, FL 33770
(727) 724-4832 beachlinemortgage.com
Top Mortgage Team
12600 S Belcher Rd #106-H, Largo, FL 33773
(727) 709-0911 thetopmortgageteam.com
Sea Vista Home Loans
14827 Imperial Point Dr N, Largo, FL 33774
(727) 686-4052 seavistahomeloans.com
Inspired Home Loans
12600 S Belcher Rd #106-H, Largo, FL 33773
(727) 742-0247 inspiredhomeloans.com
Merchant One Mortgage Florida
12800 Indian Rocks Rd #5C, Largo, FL 33774
(800) 794-0441 mer1loans.com
Statewide Mortgage Co
1601 E Bay Dr STE 3, Largo, FL 33771
(727) 797-0300 statewidemortgageco.com

An FHA loan specialist in Largo Florida can guide you through the FHA loan process, which is popular for first time homebuyers and those with lower credit scores. Florida law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Local specialists understand the Pinellas County housing market and can help you meet FHA property requirements.

What Does a FHA Loan Specialist in Largo Cost?

Typical costs for an FHA loan specialist in Florida include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual MIP of 0.45 to 1.05 percent depending on loan term and down payment. Closing costs in Largo range from 2 to 5 percent of the purchase price. These costs vary by lender and property. 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 credit score do I need for an FHA loan in Largo Florida?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. If your score is between 500 and 579 you may still qualify but need a 10 percent down payment. Florida lenders may have overlays that require a higher score so check with a specialist.
Are there Florida specific rules for FHA loans?
Yes Florida has specific rules about flood insurance for properties in flood zones. FHA loans require flood insurance if the property is in a Special Flood Hazard Area. Also Florida law requires a licensed appraiser to complete the FHA appraisal.
How long does an FHA loan process take in Largo?
The typical FHA loan process takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs to meet FHA minimum property standards. Florida law requires a 7 day right of rescission for refinances but not for purchase loans.

FHA Loan Specialists in Other Florida Cities

Altamonte Springs · Apopka · Ave Maria · Aventura · Bartow · Belle Glade · Boca Raton · Bonita Springs · Boynton Beach · Bradenton · Brandon · Brooksville · Cape Canaveral · Cape Coral · Casselberry

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Legal Notice BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal 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 state mortgage licensing authority association before hiring.

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.

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