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Compare fha loan specialists in Palm Coast. Review contact information and insurance categorys before you decide.
12 agents listed
Updated May 2026
Palm Coast, 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 12 fha loan specialists in Palm Coast, 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.
Fairway Independent Mortgage Corp. - The Loan Pro Team
18 Market Ave Suite 125, Palm Coast, FL 32164
3869310980
Approved Mortgage Source LLC
50 Leanni Way UNIT B6, Palm Coast, FL 32137
3866688000
Steve Verrier / The Florida Mortgage Center.com - ANE Lending LLC
An FHA loan specialist in Palm Coast, Florida helps borrowers navigate FHA-insured mortgages, which are popular for first-time homebuyers and those with lower credit scores. These specialists guide clients through Florida-specific requirements, such as property flood zone compliance and state-specific closing procedures. Working with a local specialist ensures you understand Palm Coast market conditions and FHA loan limits for Flagler County.
What Does a FHA Loan Specialist in Palm Coast Cost?
Typical costs for FHA loan specialist services in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount, financed into the loan. Annual mortgage insurance premiums range from 0.45 percent to 1.05 percent depending on loan term and down payment. Lender origination fees usually range from 0.5 percent to 1.5 percent of the loan amount. Closing costs in Palm Coast average 2 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 does an FHA loan specialist in Palm Coast do?
An FHA loan specialist helps you apply for a Federal Housing Administration insured mortgage. They review your credit, income, and debt to determine eligibility and guide you through the loan process. In Florida, they also ensure the property meets FHA minimum property standards and local flood zone regulations.
What are the FHA loan limits for Palm Coast Florida in 2025?
For 2025, the FHA loan limit for a single-family home in Flagler County, which includes Palm Coast, is $498,257. This limit is set by the Department of Housing and Urban Development and may change annually. Higher limits apply for multi-unit properties.
Do I need a special license to be an FHA loan specialist in Florida?
In Florida, loan officers must hold a valid mortgage loan originator license through the Nationwide Multistate Licensing System. FHA specialists do not need a separate FHA license, but they must work for an FHA-approved lender. Florida law requires all mortgage professionals to complete continuing education each year.
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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.