Find FHA Loan Specialists in East Longmeadow, MA
Compare fha loan specialists in East Longmeadow. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Massachusetts before hiring.
Showing 10 fha loan specialists in East Longmeadow, MA
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An FHA loan specialist in East Longmeadow Massachusetts helps homebuyers navigate Federal Housing Administration insured loans. These loans often require a lower down payment and have flexible credit guidelines. Massachusetts law requires all mortgage loan originators to be licensed through the Division of Banks, so local specialists must meet state certification standards.
What Does a FHA Loan Specialist in East Longmeadow Cost?
Typical costs for FHA loan services in Massachusetts include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 to 0.85 percent. Lender origination fees range from 0.5 to 1.5 percent of the loan. Appraisal fees in East Longmeadow are usually between $500 and $700. 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 specialist in East Longmeadow?
An FHA loan specialist is a licensed mortgage professional who guides borrowers through FHA loan applications. They help with credit requirements, down payment assistance, and property appraisal rules specific to Massachusetts.
What are the FHA loan limits for East Longmeadow Massachusetts?
FHA loan limits for Hampden County in 2025 are set by HUD. For a single family home the floor limit is typically around $498,257 and the ceiling may be higher in high cost areas. Your specialist can confirm the exact limit for your property.
Do I need a special license to work with an FHA loan specialist in Massachusetts?
Yes. All mortgage loan originators in Massachusetts must hold a state license through the Division of Banks under M.G.L. Chapter 255F. You can verify a specialists license on the Nationwide Mortgage Licensing System website.