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 8 fha loan specialists in Panama City Beach, 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.
New American Funding - Jessika Mertins
4412 Delwood Ln, Panama City Beach, FL 32408
8503745495
Coastal Haven Lending
13302 Hutchison Blvd, Panama City Beach, FL 32407
8474710485
Blissful Mortgage LLC
309 Richard Jackson Blvd Ste 231, Panama City Beach, FL 32407
8502502677
BOE Beaches
17651 Panama City Beach Pkwy #4, Panama City Beach, FL 32413
8508662963
Amber Ellis - Ameris Bank Mortgage
11790 Panama City Beach Pkwy, Panama City Beach, FL 32407
8508654560
Steven Cochran - Ameris Bank Mortgage
11790 Panama City Beach Pkwy, Panama City Beach, FL 32407
8503244092
Kat Tomlinson - Mortgage Lender
309 Richard Jackson Blvd Suit C6, Panama City Beach, FL 32407
8502386225
Paige Mooneyham- 20/20 Mortgage
309 Richard Jackson Blvd, Panama City Beach, FL 32407
6154263804
What Does a FHA Loan Specialist in Panama City Beach Cost?
Typical costs for an FHA loan in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 percent to 0.85 percent. Closing costs generally range from 2 to 5 percent of the purchase price. Appraisal fees in Panama City Beach average around $500 to $700. Costs vary by lender and loan amount. 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 Beach Florida in 2025?
For 2025 the FHA loan limit for a single-family home in Bay County Florida is $498,257. This amount applies to most areas and may be higher for duplexes or larger properties.
What credit score is needed for an FHA loan in Florida?
FHA loans generally 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.
Are FHA loans assumable in Florida?
Yes FHA loans are assumable by qualified buyers in Florida. The buyer must meet standard FHA credit and income requirements and the assumption must be approved by the lender.