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Browse fha loan specialists serving West Springfield, Massachusetts. Contact information and addresses listed below.
9 agents listed
Updated May 2026
West Springfield, 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 9 fha loan specialists in West Springfield, 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.
Homestead Funding Corp: Joni S. Miller | NMLS# 5944
459 Riverdale St, West Springfield, MA 01089
4133206168
Homestead Funding Corp: Ratha Men | NMLS# 38414
459 Riverdale St, West Springfield, MA 01089
9789960271
Nicholas DiFronzo
237 Main St, West Springfield, MA 01089
4133868645
Homestead Funding Corp. – West Springfield
459 Riverdale St, West Springfield, MA 01089
4134594767
An FHA loan specialist in West Springfield, Massachusetts can help you navigate the Federal Housing Administration loan process. These loans are popular for first-time homebuyers and those with lower credit scores. Massachusetts requires lenders to provide specific disclosures under state law, including the Massachusetts Truth in Lending Act.
What Does a FHA Loan Specialist in West Springfield Cost?
Typical costs for an FHA loan in Massachusetts include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, and an annual MIP of 0.55% to 0.85% depending on loan term and loan-to-value ratio. Closing costs generally range from 2% to 5% of the purchase price. For a $300,000 home, this could mean $6,000 to $15,000 in closing costs. These figures are estimates. 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 West Springfield in 2025?
For 2025, the FHA loan limit for a single-family home in Hampden County, which includes West Springfield, is $524,225. This limit applies to standard FHA loans and may be higher for multi-unit properties.
What credit score do I need for an FHA loan in Massachusetts?
Most FHA lenders require a minimum credit score of 580 for a 3.5% down payment. If your score is between 500 and 579, you may still qualify but will need a 10% down payment. Massachusetts lenders may have their own overlays above these minimums.
Are there Massachusetts-specific FHA loan requirements?
Yes. Massachusetts law requires lenders to provide a Massachusetts Homebuyer Education Certificate for first-time buyers using certain loan programs. The state also has a mandatory mediation process for foreclosure prevention, which can affect FHA loan modifications.
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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.