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Compare FHA Loan Specialists in Valrico, FL

Compare fha loan specialists in Valrico. Review contact information and insurance categorys before you decide.

6 agents listed
Updated June 2026
Valrico, 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 State Mortgage Licensing Authority of Florida before hiring.
Showing 6 fha loan specialists in Valrico, 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.
Mike Neill Mortgage Broker NMLS #1064583
4934 Willow Ridge Terrace, Valrico, FL 33596
(813) 892-8666 mikeneillmortgagebroker.com
Tony Recupero | Freedom First Mortgage Group
916 Innergary Pl, Valrico, FL 33594
(813) 326-3331 loansintampabay.com
Royal & Co Mortgage Corp.
3821 Buckingham Loop Dr, Valrico, FL 33594
(813) 657-6900 royalcomortgage.com
Preferred Lending Services, LLC
3228 Lithia Pinecrest Rd #102, Valrico, FL 33594
(877) 910-6718 flpls.com
CrossCountry Mortgage, LLC
2350 FL-60 Office #43, Valrico, FL 33594
(813) 480-4747 crosscountrymortgage.com
Union Home Mortgage
2350 FL-60, Valrico, FL 33594
(631) 252-8500 uhm.com

An FHA loan specialist in Valrico Florida helps homebuyers navigate government-insured mortgages with lower down payments. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. These specialists guide clients through the unique requirements of FHA loans in the Tampa Bay area market.

What Does a FHA Loan Specialist in Valrico Cost?

Typical costs for FHA loan specialist services 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 to 0.85 percent. Origination fees often range from 1 to 2 percent of the loan value. Third-party costs like appraisal and title fees add 500 to 1500 dollars. 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 does an FHA loan specialist in Valrico do?
An FHA loan specialist helps you qualify for a Federal Housing Administration loan. They review your credit history, income documents, and property eligibility. They also ensure your loan meets Florida specific insurance and tax requirements.
What are the FHA loan limits for Valrico Florida in 2025?
For 2025 the FHA loan limit for a single-family home in Hillsborough County including Valrico is $524,225. Higher limits apply for multi-unit properties. These limits are set annually by the Department of Housing and Urban Development.
Do I need a special license to be an FHA loan specialist in Florida?
Yes all mortgage loan originators in Florida must hold a valid license from the Florida Office of Financial Regulation. They must also complete continuing education courses each year. This licensing ensures they follow state and federal lending laws.