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Looking for a fha loan specialist in Oviedo? Review the directory below to compare your options.
9 agents listed
Updated May 2026
Oviedo, 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 9 fha loan specialists in Oviedo, 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.
Mid Florida Mortgage Professionals
235 S Central Ave, Oviedo, FL 32765
3212968218
Synergy Mortgage Powered by The Mortgage Firm
1984 Alafaya Trail #1014, Oviedo, FL 32765
4073591255
Redefine Home Loans
7560 Red Bug Lake Rd STE 2030, Oviedo, FL 32765
3214419391
Knights Mortgage LLC
897 City Walk Ln, Oviedo, FL 32765
8335614487
Patrick McDaniel, Movement Mortgage
59 Alafaya Woods Blvd, Oviedo, FL 32765
4077167728
Florida Mortgage Providers
2101 Amador Pl, Oviedo, FL 32765
4079631151
Shane Donahoo
3208 W State Rd 426 #1000, Oviedo, FL 32765
8655918562
Blue Oak Mortgage
3747 Safflower Terrace, Oviedo, FL 32766
8883337060
Gregory Mortgage Group, LLC
2371 Chapman Reserve Ct, Oviedo, FL 32765
4076978596
An FHA loan specialist in Oviedo Florida helps homebuyers navigate government-backed mortgages insured by the Federal Housing Administration. These loans are popular in the Orlando metro area due to lower down payment requirements and flexible credit guidelines. Florida law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS), and Oviedo specialists must comply with state regulations under Chapter 494 of the Florida Statutes.
What Does a FHA Loan Specialist in Oviedo Cost?
Typical costs for an FHA loan in Florida include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual MIP that ranges from 0.45 to 1.05 percent depending on loan term and down payment. Closing costs in Oviedo generally range from 2 to 5 percent of the purchase price. Lender origination fees appraisal fees and title insurance add to the total. 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 is needed for an FHA loan in Oviedo Florida?
Most FHA loans 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 in Oviedo may set its own overlays so requirements can vary.
Are there income limits for FHA loans in Seminole County?
Yes FHA loans have income limits based on the area median income. For 2025 in Seminole County the limit for a one-unit property is approximately 97,800 dollars for low-income borrowers. These limits are updated annually by HUD and apply to the entire county including Oviedo.
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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.