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Browse fha loan specialists serving Salem, Massachusetts. Contact information and addresses listed below.
7 agents listed
Updated May 2026
Salem, 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 7 fha loan specialists in Salem, 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.
Phil Tocci Mortgage Lender
210 Essex St, Salem, MA 01970
6177103980
JSW Mortgage, LLC.
2 1/2 Becket St, Salem, MA 01970
6172949001
Dee Reddington at Salem Five Mortgage
210 Essex St, Salem, MA 01970
6177630063
Steven Vo at Salem Five
210 Essex St, Salem, MA 01970
7814926696
Cesar Mancebo Total Mortgage NMLS# 2384927
131 Boston St #2, Salem, MA 01970
9782104194
Bank of America Home Mortgage
21 Paradise Rd, Salem, MA 01970
7819545217
Total Mortgage Salem NMLS #2468597
131 Boston St, Salem, MA 01970
9782104194
What Does a FHA Loan Specialist in Salem Cost?
Typical costs for FHA loan specialist services in Massachusetts include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus annual mortgage insurance premiums of 0.15 to 0.75 percent. Origination fees from lenders usually range from 0.5 to 1.0 percent of the loan amount, and third-party costs like appraisal and title fees can add $1,000 to $3,000. These costs vary by lender and borrower circumstances. 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 Salem?
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. In Salem, these loans allow for a down payment as low as 3.5 percent and require a minimum credit score of 580. Borrowers must also meet Massachusetts specific requirements, such as property condition standards under the states building code.
What are the FHA loan limits for Salem Massachusetts in 2025?
For 2025, the FHA loan limit for a single-family home in Essex County, which includes Salem, is $524,225 for low-cost areas and up to $1,209,750 for high-cost areas. These limits are set annually by the Department of Housing and Urban Development and vary by county.
Do I need a special license to be an FHA loan specialist in Massachusetts?
Yes. In Massachusetts, all mortgage loan originators must hold a valid license through the Nationwide Multistate Licensing System and be registered with the Massachusetts Division of Banks. FHA loan specialists must also complete annual continuing education on federal and state lending laws.
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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.