ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of fha loan specialists in Ellicott City, Maryland. Verify credentials with the state state mortgage licensing authority before hiring.
10 agents listed
Updated June 2026
Ellicott City, MD
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 Maryland before hiring.
Showing 10 fha loan specialists in Ellicott City, MD
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
FHA loan specialists in Ellicott City Maryland help homebuyers secure loans insured by the Federal Housing Administration. These loans are popular for first time buyers and those with lower credit scores. Maryland law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Ellicott City Cost?
Typical costs for an FHA loan specialist in Maryland include an origination fee of 1 percent of the loan amount and third party fees such as appraisal which costs 500 to 700 dollars. Closing costs generally range from 2 to 5 percent of the purchase price. The upfront MIP is 1.75 percent of the loan amount. Costs vary by lender and loan size. 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 are the FHA loan limits for Ellicott City Maryland in 2025?
For 2025 the FHA loan limit for a single family home in Howard County which includes Ellicott City is 557,750 dollars. This limit applies to most areas and may be higher for duplexes or larger properties.
What credit score is needed for an FHA loan in Maryland?
The minimum credit score for an FHA loan is 500 with a 10 percent down payment. A score of 580 or higher allows a 3.5 percent down payment. Some Maryland lenders may require higher scores.
Do FHA loans require private mortgage insurance in Maryland?
Yes FHA loans require an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount. They also require an annual MIP that ranges from 0.45 to 1.05 percent depending on loan term and loan to value ratio.
Get matched with agents in Ellicott City who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state state mortgage licensing authority association before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the State Mortgage Licensing Authority of Maryland.