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Directory of fha loan specialists in Panama City, Florida. Verify credentials with the state mortgage licensing authority before hiring.
18 agents listed
Updated May 2026
Panama City, 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 18 fha loan specialists in Panama City, 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.
Allegiant Lending Firm
3535 E 3rd St, Panama City, FL 32401
8504818085
Homeowners Financial Group
97 Oak Ave, Panama City, FL 32401
9048307900
Madison Shaver- Mortgage by Madison
3707 W 23rd St, Panama City, FL 32405
8507718013
Lindsey Chapman at CrossCountry Mortgage
55 W 5th St, Panama City, FL 32401
8506287447
Tonya Anderson at Homeowners Financial Group USA, LLC
97 Oak Ave, Panama City, FL 32401
3345966158
Guild Mortgage - Kathy Hallmon
3208 W 23rd St #2, Panama City, FL 32405
8503811833
Oasis Mortgage LLC
3707 W 23rd St, Panama City, FL 32405
8502500865
Florida's VA Mortgage Center
97 Oak Ave, Panama City, FL 32401
7277774999
Ryan Boody at Guaranteed Rate Affinity (NMLS #1053658)
4408 Delwood Ln Suite 28, Panama City, FL 32408
8504453899
Christy Mathis at Homeowners Financial Group USA, LLC
97 Oak Ave, Panama City, FL 32401
8508141201
Taelor Messer at CrossCountry Mortgage
55 W 5th St, Panama City, FL 32401
8508908812
Brad Burrow - Regions Mortgage Loan Officer
469 W 23rd St, Panama City, FL 32405
8503486416
Lindsey L Hall - Regions Mortgage Loan Officer
469 W 23rd St, Panama City, FL 32405
8508665400
Kristy Alston - Ameris Bank Mortgage
450 E 23rd St, Panama City, FL 32405
8508300516
Guild Mortgage Company
3208 W 23rd St #2, Panama City, FL 32405
8509384624
Kirsten Summers - Regions Mortgage Loan Officer
469 W 23rd St, Panama City, FL 32405
8508144132
New American Funding - Panama City
4412 Delwood Ln, Panama City, FL 32408
8502044571
Capital City Home Loans
10000 Panama City Beach Pkwy, Panama City, FL 32407
8503917375
An FHA loan specialist in Panama City, Florida helps borrowers secure government-backed mortgages with lower down payments and flexible credit standards. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. Local specialists understand the Panama City housing market and can guide you through FHA loan limits specific to Bay County.
What Does a FHA Loan Specialist in Panama City Cost?
Typical costs for an FHA loan in Florida include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual mortgage insurance premium (MIP) of 0.55% to 0.85%. Closing costs in Panama City range from 2% to 5% of the purchase price, including appraisal fees of $400 to $700, title insurance, and lender fees. Actual costs vary by loan amount and lender. 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 Panama City Florida?
For 2025, the FHA loan limit for a single-family home in Bay County is $498,257. This limit applies to most areas in Panama City and adjusts annually 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% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. Florida lenders may have their own overlays above these minimums.
How long does the FHA loan process take in Panama City?
The typical FHA loan process in Florida takes 30 to 45 days from application to closing. Delays can occur if the property requires repairs or if appraisal issues arise. Local specialists can help expedite the process.
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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.