FHA Loan Specialists in New Smyrna Beach, FL
Compare fha loan specialists in New Smyrna Beach. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Florida before hiring.
Showing 9 fha loan specialists in New Smyrna Beach, FL
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What Does a FHA Loan Specialist in New Smyrna Beach Cost?
Typical costs for an FHA loan specialist in Florida include an origination fee of 1 percent of the loan amount and a mortgage insurance premium of 1.75 percent upfront plus 0.55 percent annually. For a $300,000 loan the upfront costs could be around $5,250 plus appraisal fees of $500 to $700. Costs vary by lender and your credit profile. 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 are the FHA loan limits for New Smyrna Beach Florida?
FHA loan limits for Volusia County in 2025 are set by HUD. For a single family home the floor limit is typically around $498,257 and the ceiling limit can reach $1,149,825 in high cost areas. Your specialist can confirm the exact limit for your property.
Do I need a specific FHA approved condo in New Smyrna Beach?
Yes if you buy a condo you must choose one on the FHA approved condominium list. Many beachfront complexes in New Smyrna Beach are not approved. Your specialist can check the HUD database before you make an offer.
What Florida specific rules apply to FHA loans?
Florida requires a 30 day waiting period after a short sale or foreclosure before you can apply for an FHA loan. Also Florida law mandates a specific disclosure about flood insurance if the property is in a Special Flood Hazard Area. Your specialist will provide these forms.