FHA Loan Specialists in Tampa, FL
Browse fha loan specialists serving Tampa, Florida. Contact information and addresses listed below.
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
State Mortgage Licensing Authority of Florida before hiring.
Showing 20 fha loan specialists in Tampa, 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.
An FHA loan specialist in Tampa Florida can guide you through FHA mortgage options for home buying or refinancing. Florida law requires all loan originators to be licensed through the Nationwide Multistate Licensing System. Tampa residents benefit from specialists who know local property values and flood insurance rules.
What Does a FHA Loan Specialist in Tampa Cost?
Typical costs for an FHA loan specialist in Florida include an origination fee of 1% to 2% of the loan amount. Appraisal fees range from $500 to $700. Mortgage insurance premiums are 1.75% upfront and 0.55% annually. Closing costs in Tampa average 3% to 5% 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 Tampa do?
An FHA loan specialist helps you apply for FHA insured loans which have lower down payment requirements. They review your credit score, income, and debt levels to determine eligibility. They also explain Florida specific rules like homestead exemption and property tax benefits.
What are the FHA loan limits for Tampa Florida in 2025?
For 2025, the FHA loan limit for a single family home in Hillsborough County is $498,257 for low cost areas and up to $1,149,825 for high cost areas. These limits change annually based on median home prices. A specialist can confirm current limits for your specific property.
How do I qualify for an FHA loan in Tampa Florida?
You need a minimum credit score of 580 for a 3.5% down payment or 500 for 10% down. You must have a debt to income ratio below 43% and provide proof of steady employment. Florida law also requires a valid state ID and proof of legal residency.