FHA Loan Specialists in St. Augustine, FL

An FHA loan specialist in St. Augustine Florida helps homebuyers navigate government backed loans with lower down payment requirements. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. Local specialists understand the unique housing market in St. Johns County and can guide you through FHA appraisal and underwriting standards.

What Does a FHA Loan Specialist in St. Augustine Cost?

Typical costs for an FHA loan specialist in Florida include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.55 to 0.85 percent of the loan balance. Closing costs in St. Augustine generally total 3 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.

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