Find FHA Loan Specialists in Hiram, GA
Directory of fha loan specialists in Hiram, Georgia. Verify credentials with the state state mortgage licensing authority before hiring.
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 Georgia before hiring.
Showing 4 fha loan specialists in Hiram, GA
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An FHA loan specialist in Hiram, Georgia helps borrowers navigate Federal Housing Administration insured loans. These loans are popular in Paulding County due to lower down payment requirements and flexible credit guidelines. Georgia law requires all mortgage loan originators to be licensed through the Georgia Department of Banking and Finance.
What Does a FHA Loan Specialist in Hiram Cost?
Typical costs for an FHA loan specialist in Georgia include an origination fee of 1% of the loan amount and an upfront mortgage insurance premium (UFMIP) of 1.75% of the base loan amount. Annual mortgage insurance premiums (MIP) range from 0.45% to 1.05% of the loan balance. Additional costs may include appraisal fees of $500 to $700 and credit report fees of $30 to $50. 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 Hiram do?
An FHA loan specialist in Hiram helps you understand FHA loan requirements, pre-qualify for a loan, and guide you through the application process. They also ensure the property meets FHA minimum property standards and handle all documentation for the lender.
What are the FHA loan limits for Hiram Georgia?
FHA loan limits for Hiram Georgia are based on Paulding County limits. As of 2024, the standard FHA loan limit for a single-family home in Paulding County is $498,257. Higher limits may apply for duplexes, triplexes, and fourplexes.
Do I need a special license to be an FHA loan specialist in Georgia?
Yes, all mortgage loan originators in Georgia must hold a valid license from the Georgia Department of Banking and Finance. They must also pass a criminal background check and complete continuing education courses each year.