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Find FHA Loan Specialists Near You in St Cloud, FL
Directory of fha loan specialists in St Cloud, Florida. Verify credentials with the state mortgage licensing authority before hiring.
10 agents listed
Updated May 2026
St Cloud, 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 10 fha loan specialists in St Cloud, 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.
The Mortgage Firm- Saint Cloud Branch
1123 Florida Ave, St Cloud, FL 34769
4075930173
Ulysses Escobar, Mortgage Broker
1010 Pennsylvania Ave, St Cloud, FL 34769
4078376884
Nelson Monge - Element Mortgage Branch Manager
707 13th St, St Cloud, FL 34769
4073013931
Cathy Done - Movement Mortgage
1418 S Narcoossee Rd, St Cloud, FL 34771
4073604593
Sheiny Hernandez, Movement Mortgage
1418 S Narcoossee Rd, St Cloud, FL 34771
4077163774
Better Option Home Loans
5226 Northern Flicker Dr, St Cloud, FL 34771
4077546581
Mortgage, Bank of America
4300 13th St, St Cloud, FL 34769
3218957797
Wolf's Crossing Mortgage
4601 Neptune Rd, St Cloud, FL 34769
4077522227
Mortgage Market Financial
4305 Neptune Rd, St Cloud, FL 34769
4079359511
Wolf's Crossing Mortgage - Juan Vasquez
4601 Neptune Rd, St Cloud, FL 34769
4074099319
An FHA loan specialist in St Cloud Florida can help you navigate the process of obtaining a government-backed mortgage. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. Working with a local specialist familiar with St Cloud real estate trends can simplify your home buying experience.
What Does a FHA Loan Specialist in St Cloud Cost?
Typical costs for an FHA loan specialist in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus annual mortgage insurance premiums ranging from 0.45 to 1.05 percent. Lender origination fees usually range from 0.5 to 1.5 percent of the loan amount. Appraisal and credit report fees add several hundred dollars. 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 do in St Cloud Florida?
An FHA loan specialist guides you through the FHA loan application process. They help you understand credit requirements, down payment options, and property eligibility. In Florida, they must follow federal FHA guidelines and state licensing rules.
What are the FHA loan limits for St Cloud Florida in 2025?
For 2025, the FHA loan limit for a single-family home in Osceola County is typically around $498,257. This amount can vary based on the specific property type and local housing market. A specialist can confirm the exact limit for your situation.
How do I choose an FHA loan specialist in St Cloud?
Look for a licensed mortgage loan originator registered with the Florida Office of Financial Regulation. Ask about their experience with FHA loans and their knowledge of St Cloud area properties. You can verify their license through the Nationwide Multistate Licensing System.
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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.