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Showing 2 fha loan specialists in Pepperell, MA
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Movement Mortgage - Pepperell, MA has moved to Burlington
3 Hollis St Suite 202, Pepperell, MA 01463
(978) 302-0657
movement.com
What Does a FHA Loan Specialist in Pepperell 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 plus third party fees for appraisal credit report and title services. Total closing costs for a $350,000 home in Pepperell often range from $8,000 to $12,000. These costs vary by lender property and loan specifics. 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 Pepperell Massachusetts in 2025?
For 2025 the FHA loan limit for a single family home in Middlesex County including Pepperell is $498,257. This limit is set by the Department of Housing and Urban Development and applies to standard FHA loans. Higher limits may apply for duplexes triplexes and four unit properties.
What credit score is needed for an FHA loan in Pepperell?
FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Massachusetts lenders may have their own overlay requirements so check with a local specialist.
Do FHA loans require mortgage insurance in Massachusetts?
Yes all FHA loans require both an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual MIP that varies by loan term and loan to value ratio. In Massachusetts this MIP is typically paid monthly and cannot be canceled if the down payment is less than 10 percent.