Find FHA Loan Specialists Near You in Rome, GA
Compare fha loan specialists in Rome. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Georgia before hiring.
Showing 17 fha loan specialists in Rome, GA
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What Does a FHA Loan Specialist in Rome Cost?
In Georgia, FHA loan costs include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, which can be financed into the loan. Annual mortgage insurance premiums (MIP) range from 0.45 percent to 1.05 percent depending on loan term and loan-to-value ratio. Closing costs in Rome typically range from 2 to 5 percent of the purchase price, including lender fees, appraisal fees (around $500 to $700), and title insurance. 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 is an FHA loan and who qualifies in Rome Georgia?
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. In Rome Georgia, you typically need a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment.
What are the FHA loan limits for Floyd County Georgia in 2025?
For 2025, the FHA loan limit for a single-family home in Floyd County Georgia is $498,257. This limit applies to Rome and the surrounding area. Higher limits apply for two-unit, three-unit, and four-unit properties.
How long does the FHA loan process take in Georgia?
The FHA loan process in Georgia typically takes 30 to 45 days from application to closing. This timeline includes appraisal, underwriting, and final approval. Delays can occur if additional documentation is needed or if the property requires repairs.