ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Looking for a fha loan specialist in Oldsmar? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Oldsmar, 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 Oldsmar, 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.
An FHA loan specialist in Oldsmar Florida helps homebuyers navigate Federal Housing Administration insured loans. These loans allow lower down payments and flexible credit requirements. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation which ensures consumer protection.
What Does a FHA Loan Specialist in Oldsmar Cost?
Typical costs for an FHA loan specialist in Florida include an origination fee of 1 percent of the loan amount plus third party fees such as appraisal (around $500 to $700) and credit report (around $30 to $50). The upfront mortgage insurance premium is 1.75 percent of the loan amount. Annual mortgage insurance premiums vary from 0.45 percent to 1.05 percent of the loan balance. 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 Oldsmar Florida?
FHA loan limits for Hillsborough County where Oldsmar is located are set annually by HUD. For 2024 the single family home limit is $498,257. This amount may change each year based on median home prices in the area.
Do I need a special license to be an FHA loan specialist in Florida?
Yes all mortgage loan originators in Florida must hold a valid license through the Florida Office of Financial Regulation. They must also complete continuing education each year. FHA loan specialists also need to be approved by HUD as a direct endorsement underwriter.
What is the minimum down payment for an FHA loan in Florida?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price. This applies to borrowers with a credit score of 580 or higher. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Oldsmar who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.