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Looking for a fha loan specialist in Ludlow? Review the directory below to compare your options.
6 agents listed
Updated May 2026
Ludlow, MA
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 Massachusetts before hiring.
Showing 6 fha loan specialists in Ludlow, MA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Fairway Independent Mortgage Corporation-Ludlow, MA Branch
733 Chapin St Suite 104, Ludlow, MA 01056
4132109795
LUSO Federal Credit Union - Ludlow
599 East St, Ludlow, MA 01056
4135899966
Pioneer Valley Financial Group
535 East St, Ludlow, MA 01056
4135891500
Ben Cartagena
33 Center St, Ludlow, MA 01056
4132500827
Gary Teixeira - Mortgage Loan Officer
549 Center St, Ludlow, MA 01056
4134785420
Michele Morris
33 Center St, Ludlow, MA 01056
4136957319
An FHA loan specialist in Ludlow, Massachusetts can guide you through the process of obtaining a government-backed mortgage insured by the Federal Housing Administration. Ludlow home buyers and homeowners often use FHA loans for their lower down payment requirements and flexible credit guidelines. Massachusetts law requires all mortgage loan originators to be licensed through the Division of Banks, ensuring a standard of professionalism for specialists in Ludlow.
What Does a FHA Loan Specialist in Ludlow Cost?
Typical costs for FHA loan specialist services in Massachusetts include an origination fee, usually 1 percent of the loan amount, and an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the base loan amount. Annual mortgage insurance premiums (MIP) range from 0.45 percent to 1.05 percent depending on loan term and down payment. For a $300,000 loan, the UFMIP would be $5,250. Closing costs generally range from 2 to 5 percent of the loan amount. These figures are estimates and actual costs vary by lender and borrower qualifications. 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 Ludlow do?
An FHA loan specialist helps borrowers understand FHA loan requirements, gather necessary documentation, and submit applications to approved lenders. They can explain how FHA loan limits apply to Hampden County, where the 2025 single-family limit is $524,225. They also assist with credit score issues and debt-to-income ratio calculations specific to Massachusetts guidelines.
What are the FHA loan limits for Ludlow Massachusetts?
For 2025, the FHA loan limit for a single-family home in Hampden County, which includes Ludlow, is $524,225. Higher limits apply for duplexes, triplexes, and four-unit properties. These limits are set by the U.S. Department of Housing and Urban Development and are adjusted annually based on local median home prices.
Do I need a special license to be an FHA loan specialist in Massachusetts?
Yes. In Massachusetts, any individual acting as a mortgage loan originator must hold a valid license from the Massachusetts Division of Banks. This includes FHA loan specialists. The license requires passing a criminal background check, completing pre-licensing education, and meeting continuing education requirements each year.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, 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 Massachusetts.