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Find FHA Loan Specialists Near You in Manchester-by-the-Sea, MA
Compare fha loan specialists in Manchester-by-the-Sea. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Manchester-by-the-Sea, 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 4 fha loan specialists in Manchester-by-the-Sea, 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.
PHH Home Loans
21 Central St, Manchester-by-the-Sea, MA 01944
9785261396
CrossCountry Mortgage, LLC
4 Summer St Unit 1, Manchester-by-the-Sea, MA 01944
9785484464
Kevin Potter at CrossCountry Mortgage
4 Summer St Unit 1, Manchester-by-the-Sea, MA 01944
9785484464
Lani Sanethong at CrossCountry Mortgage
4 Summer St Unit 1, Manchester-by-the-Sea, MA 01944
9787170409
FHA loan specialists in Manchester-by-the-Sea assist home buyers with Federal Housing Administration insured mortgages. These loans are popular in Massachusetts due to lower down payment requirements and flexible credit guidelines. Local specialists understand Massachusetts specific property laws and can guide you through the process from pre-approval to closing.
What Does a FHA Loan Specialist in Manchester-by-the-Sea Cost?
Typical costs for an FHA loan specialist in Massachusetts include an origination fee of 0.5 to 1.0 percent of the loan amount. Upfront mortgage insurance premium is 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and down payment. Closing costs in Massachusetts average 2 to 5 percent of the purchase price. 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 how does it work in Massachusetts?
An FHA loan is a government backed mortgage insured by the Federal Housing Administration. In Massachusetts, these loans require a minimum down payment of 3.5 percent and allow credit scores as low as 580. The loan must meet FHA property standards and be for a primary residence.
What are the FHA loan limits for Manchester-by-the-Sea in 2025?
For 2025, FHA loan limits in Essex County including Manchester-by-the-Sea are set at a base limit of $498,257 for a single family home. Higher limits may apply in high cost areas. Your specialist can confirm the exact limit for your specific property.
Do I need a special license to be an FHA loan specialist in Massachusetts?
FHA loan specialists in Massachusetts must hold a valid mortgage loan originator license through the Division of Banks. They must also complete annual continuing education on state and federal lending laws. Verify a specialists license on the Nationwide Multistate Licensing System database.
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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.