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Find FHA Loan Specialists Near You in Miramar Beach, FL
Directory of fha loan specialists in Miramar Beach, Florida. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Miramar Beach, 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 Miramar 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.
Capital Home Mortgage
495 Grand Blvd #206, Miramar Beach, FL 32550
8008045181
Lisa Bell | SouthState Mortgage
79 Scenic Gulf Dr Ste 600, Miramar Beach, FL 32550
8507147856
An FHA loan specialist in Miramar Beach Florida helps homebuyers navigate government-backed mortgages with lower down payments and flexible credit requirements. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. Miramar Beach residents often use FHA loans to purchase condos or single-family homes in this coastal area.
What Does a FHA Loan Specialist in Miramar Beach Cost?
Typical costs for an FHA loan specialist in Florida include an origination fee of 1 to 2 percent of the loan amount plus third-party fees for appraisal credit report and title work. Closing costs in Miramar Beach usually range from 3,000 to 8,000 dollars depending on the property price and lender. Borrowers also pay an upfront mortgage insurance premium of 1.75 percent of the loan amount and monthly mortgage insurance. 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 main FHA loan requirements in Florida?
FHA loans require a minimum 3.5 percent down payment and a credit score of at least 580. Borrowers must also have a valid Social Security number and lawful residency in the United States. Florida law does not add extra state-level requirements beyond federal FHA guidelines.
How do I find a licensed FHA loan specialist in Miramar Beach?
You can search the Florida Office of Financial Regulation website to verify a loan officer license. Local banks credit unions and mortgage brokers in Miramar Beach often employ FHA specialists. Ask for a Loan Estimate to compare fees and rates before committing.
Are there Florida-specific limits for FHA loan amounts in Miramar Beach?
Yes FHA loan limits vary by county. For Walton County where Miramar Beach is located the 2024 FHA loan limit for a single-family home is typically around 498,000 dollars. Higher limits apply for multi-unit properties.
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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.