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Directory of fha loan specialists in Watertown, Massachusetts. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Watertown, 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 2 fha loan specialists in Watertown, 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.
Mortgage, Bank of America
39 Main St, Watertown, MA 02472
6176005949
Mike Leary at Prosperity Home Mortgage (NMLS# 482829)
161 Mt Auburn St, Watertown, MA 02472
5082332995
An FHA loan specialist in Watertown Massachusetts can guide you through the process of obtaining a Federal Housing Administration insured mortgage. These loans are popular for first time homebuyers and those with lower credit scores. Massachusetts law requires all mortgage loan originators to be licensed through the Division of Banks, so your specialist must hold a valid license to operate in Watertown.
What Does a FHA Loan Specialist in Watertown Cost?
Typical costs for an FHA loan specialist in Massachusetts include an origination fee which is usually 1 percent of the loan amount. You may also pay an upfront mortgage insurance premium of 1.75 percent of the loan and an annual MIP of 0.55 to 0.85 percent. Third party costs like appraisal and credit report fees range from 500 to 1,000 dollars. 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 Watertown do?
An FHA loan specialist helps you understand FHA loan requirements, pre approve your application, and guide you through the underwriting process. They ensure you meet Massachusetts specific rules such as the state required home inspection and lead paint disclosure for homes built before 1978.
What are the FHA loan limits for Watertown Massachusetts in 2025?
For 2025, the FHA loan limit for a single family home in Middlesex County which includes Watertown is set at $1,149,825 for high cost areas. This limit is adjusted annually by the Department of Housing and Urban Development based on local median home prices.
How do I choose an FHA loan specialist in Watertown?
Look for a specialist who is licensed in Massachusetts and has experience with FHA loans. You can verify their license through the Nationwide Multistate Licensing System. Ask about their familiarity with Watertown specific property types like condos and multi family homes.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.