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Looking for a fha loan specialist in Charlotte? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Charlotte, MI
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 Michigan before hiring.
Showing 2 fha loan specialists in Charlotte, MI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Hii Commercial Mortgage Loans Charlotte MI
1095 Carlisle Hwy # D, Charlotte, MI 48813
6162582973
PNC Mortgage
101 Cochran Ave, Charlotte, MI 48813
5173341690
FHA loan specialists in Charlotte, Michigan help homebuyers navigate the Federal Housing Administration loan process. Michigan law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand Eaton County property values and can guide you through FHA appraisal and underwriting requirements.
What Does a FHA Loan Specialist in Charlotte Cost?
Typical costs for an FHA loan in Michigan include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual premium of 0.55 percent to 0.85 percent. Closing costs in Charlotte usually range from 2 to 5 percent of the purchase price, including appraisal fees of $500 to $700 and credit report fees of $30 to $50. These costs vary by lender and property. 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 Charlotte Michigan?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Some lenders may accept scores as low as 500 with a 10 percent down payment. Michigan lenders follow standard FHA guidelines set by HUD.
How long does the FHA loan process take in Michigan?
The FHA loan process in Michigan usually takes 30 to 45 days from application to closing. This timeline includes appraisal, underwriting, and final approval. Delays can occur if additional documentation is needed.
Are there Michigan-specific FHA loan limits for Charlotte?
FHA loan limits for Charlotte Michigan are based on Eaton County median home prices. For 2025, the standard FHA loan limit for a single-family home in Eaton County is $498,257. Higher limits apply for multi-unit properties.
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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 Michigan.