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Browse fha loan specialists serving Needham, Massachusetts. Contact information and addresses listed below.
5 agents listed
Updated May 2026
Needham, 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 5 fha loan specialists in Needham, 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.
Pauline Lee | Mortgage Broker IND Mortgage LLC | Realtor
117 Kendrick St, Needham, MA 02494
6179651988
PRMG
220 Reservoir St Suite 22, Needham, MA 02494
7817608196
Dick Lee Mortgage
117 Kendrick St, Needham, MA 02494
6179651988
Boston Mortgage Solutions, LLC
41 Shirley Rd, Needham, MA 02494
7814532900
Mortgage Resources
175 Highland Ave #303, Needham, MA 02494
7814318500
An FHA loan specialist in Needham, Massachusetts can guide you through the process of obtaining a Federal Housing Administration insured mortgage. Massachusetts law requires all mortgage loan originators to be licensed through the Division of Banks. Working with a local specialist ensures you understand state specific rules like the Massachusetts mortgage recording tax and local property tax assessments.
What Does a FHA Loan Specialist in Needham Cost?
Typical costs for an FHA loan specialist in Massachusetts include an origination fee of 1 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Closing costs in Needham average 2 to 5 percent of the purchase price. These costs vary by lender and loan amount. 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 does an FHA loan specialist in Needham do?
An FHA loan specialist helps borrowers qualify for FHA insured mortgages. They review credit requirements, calculate down payments, and guide you through the application process. In Massachusetts, they also help you understand state specific laws like the right to cure a mortgage default.
What are the FHA loan requirements in Massachusetts?
FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers must have a debt to income ratio below 43 percent. Massachusetts also requires a property appraisal by a licensed appraiser to ensure the home meets FHA standards.
How long does it take to get an FHA loan in Needham?
The typical FHA loan process takes 30 to 45 days from application to closing. Massachusetts law mandates a three day right of rescission for refinances. Delays can occur if additional documentation is needed or if the property requires repairs.
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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.