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Find FHA Loan Specialists Near You in Niceville, FL
Directory of fha loan specialists in Niceville, Florida. Verify credentials with the state mortgage licensing authority before hiring.
11 agents listed
Updated May 2026
Niceville, 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 11 fha loan specialists in Niceville, 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.
Steve Schutt NMLS #342876 Movement Mortgage
1054 E John Sims Pkwy, Niceville, FL 32578
8508978971
Bart Swan | Mortgage Lender
1382 E John Sims Pkwy, Niceville, FL 32578
8506784663
The Greg Daniels Team - Princeton Mortgage
4591 E Hwy 20 Ste 202-C, Niceville, FL 32578
8504997705
Mallory Fotiades, Mortgage Lender NMLS #1666711
4534 FL-20, Niceville, FL 32578
9108188378
Waterstone Mortgage Corporation
1845 E John Sims Pkwy, Niceville, FL 32578
8502794432
heather calvo
1845 E John Sims Pkwy, Niceville, FL 32578
8503626901
University Lending Group
2600 Partin Dr N Suite 310, Niceville, FL 32578
8502794630
TheParkerTeam at PrimeLending
4579 E Hwy 20 bldg 300 suite 320, Niceville, FL 32578
8508037661
Beach Community Mortgage
100 Armstrong Ave, Niceville, FL 32578
8506783990
Centennial Mortgage
1532 E John Sims Pkwy Unit A-2, Niceville, FL 32578
8502694714
Assurance Financial - Niceville, FL
1382 E John Sims Pkwy, Niceville, FL 32578
8503434365
An FHA loan specialist in Niceville, Florida can help you navigate the process of obtaining a mortgage insured by the Federal Housing Administration. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. Niceville homebuyers often use FHA loans for their lower down payment requirements and flexible credit guidelines.
What Does a FHA Loan Specialist in Niceville Cost?
Typical costs for an FHA loan in Florida include an upfront MIP of 1.75 percent of the loan amount, which can be financed into the loan. Annual mortgage insurance premiums range from 0.15 to 0.75 percent of the loan balance. Lender origination fees usually range from 0.5 to 1.5 percent of the loan amount. Appraisal fees in Niceville average $500 to $700. Closing costs typically total 3 to 5 percent of the purchase price. 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 Niceville Florida?
For 2025, the FHA loan limit for a single-family home in Okaloosa County is $498,257. This limit applies to most areas in Niceville and is adjusted annually by HUD based on local median home prices.
What credit score is needed for an FHA loan in Florida?
FHA loans typically 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.
Do FHA loans require mortgage insurance in Florida?
Yes, FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount. They also require an annual MIP that ranges from 0.15 to 0.75 percent depending on loan term and loan-to-value ratio. This insurance protects the lender.
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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.