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Browse fha loan specialists serving Waltham, Massachusetts. Contact information and addresses listed below.
20 agents listed
Updated May 2026
Waltham, 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 20 fha loan specialists in Waltham, 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.
Shant Banosian at Rate (NMLS #7206)
465 Waverley Oaks Rd Suite 200, Waltham, MA 02452
6178276674
Jason Deeb @ Cambridge Savings Bank (NMLS 187869)
81 Wyman St, Waltham, MA 02451
6179018405
Ted Malkhasian at Rate (NMLS #49345)
465 Waverley Oaks Rd Suite 200, Waltham, MA 02452
6172868907
Jen Pintos at Guaranteed Rate Affinity (NMLS #1596923)
560 Moody St Suite 1, Waltham, MA 02453
9787044059
American Mortgage Resource, Inc. NMLS# MB22431
2 Winter St Suite #202, Waltham, MA 02451
6179728588
Movement Mortgage - Waltham, MA
271 Waverley Oaks Rd Suite 304, Waltham, MA 02452
7816422000
Sean Goudreau at Rate (NMLS #326155)
465 Waverley Oaks Rd Suite 200, Waltham, MA 02452
7812029056
Ryan Van Auken at Rate (NMLS #1929754)
271 Waverley Oaks Rd Suite 306, Waltham, MA 02452
7813251464
Bay Equity Home Loans - Waltham, MA
204 2nd Ave, Waltham, MA 02451
6176556420
Cory Parker - AnnieMac Home Mortgage
465 Waverley Oaks Rd Suite 200, Waltham, MA 02452
8608743538
Adam Cohen at Rate (NMLS #22203)
271 Waverley Oaks Rd #306, Waltham, MA 02452
7814057883
Brian Tobin at Rate (NMLS #85187)
271 Waverley Oaks Rd Suite 306, Waltham, MA 02452
7815263938
Fred Allard
271 Waverley Oaks Rd Suite 304, Waltham, MA 02452
6174384487
Clifford Slater at Rate (NMLS #84516)
271 Waverley Oaks Rd Suite 306, Waltham, MA 02452
7812856830
Rusty O'Dowd at Rate (NMLS #441880)
271 Waverley Oaks Rd Suite 306, Waltham, MA 02452
7816472026
Tracy Do at Rate (NMLS #481167)
465 Waverley Oaks Rd Suite 200, Waltham, MA 02452
7813251455
Hong Geng at Rate (NMLS #20366)
271 Waverley Oaks Rd Suite 306, Waltham, MA 02452
9787600303
Michelle Chmelar at Rate (NMLS #65372)
271 Waverley Oaks Rd Suite 306, Waltham, MA 02452
2123189464
Rate
271 Waverley Oaks Rd Suite 306, Waltham, MA 02452
7817889030
Martin Puyo at Rate (NMLS #1977810)
465 Waverley Oaks Rd Suite 200, Waltham, MA 02452
2039743066
An FHA loan specialist in Waltham, Massachusetts helps homebuyers navigate Federal Housing Administration loans, which are popular for first-time buyers and those with lower credit scores. Massachusetts law requires lenders to provide a standard mortgage disclosure form, and FHA loans in Waltham must comply with state property condition and appraisal rules. Specialists can guide you through local income limits and down payment assistance programs available in Middlesex County.
What Does a FHA Loan Specialist in Waltham Cost?
Typical costs for an FHA loan specialist in Massachusetts include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus annual mortgage insurance premiums ranging from 0.45 to 1.05 percent. Lender origination fees usually range from 0.5 to 1.0 percent of the loan amount. Appraisal fees in Waltham average $500 to $700. Closing costs generally total 2 to 5 percent of the purchase price. 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 credit score is needed for an FHA loan in Waltham?
Most FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Some lenders may accept scores as low as 500 with a 10 percent down payment. Requirements can vary by lender and by Massachusetts state guidelines.
Are there income limits for FHA loans in Massachusetts?
Yes, FHA loans have income limits that vary by county. In Middlesex County for 2024, the limit for a one-unit property is typically around $117,000 for a low-income designation. A specialist can confirm current limits for Waltham.
What property types qualify for FHA loans in Waltham?
FHA loans can be used for single-family homes, condominiums, and multi-unit properties up to four units. The property must meet FHA minimum property standards and be your primary residence. Condos must be on the FHA approved list.
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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.