Find FHA Loan Specialists in Houma, LA
Directory of fha loan specialists in Houma, Louisiana. 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 Louisiana before hiring.
Showing 18 fha loan specialists in Houma, LA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
What Does a FHA Loan Specialist in Houma Cost?
Typical costs for an FHA loan specialist in Louisiana include an origination fee of 1% to 1.5% of the loan amount, plus an upfront mortgage insurance premium of 1.75% of the base loan amount. Annual mortgage insurance premiums range from 0.45% to 1.05% depending on loan terms. Third-party costs for appraisal, credit report, and title services add $500 to $1,500. 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 is an FHA loan specialist in Houma?
An FHA loan specialist is a mortgage professional who helps borrowers apply for Federal Housing Administration insured loans. In Houma, they assist with down payment assistance programs and local lender requirements.
What are the FHA loan limits for Houma Louisiana?
FHA loan limits for Terrebonne Parish in 2025 are set by HUD. For a single-family home, the floor limit is typically around $498,257, but higher cost areas may have limits up to $1,149,825. A specialist can confirm current limits.
How long does an FHA loan approval take in Louisiana?
FHA loan approval in Louisiana usually takes 30 to 45 days from application to closing. Delays can occur if property appraisals or income documentation require additional review.