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Directory of fha loan specialists in Holt, Michigan. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Holt, 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 Holt, 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.
Howard Hanna Lansing
2101 N Aurelius Rd Suite 3, Holt, MI 48842
5176579100
Bay Equity Home Loans
1995 N Cedar St suite 4 office 3, Holt, MI 48842
5178853800
An FHA loan specialist in Holt Michigan can help you navigate the Federal Housing Administration loan process. Michigan law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Working with a local specialist familiar with the Holt housing market and Ingham County property values can streamline your application.
What Does a FHA Loan Specialist in Holt Cost?
Typical costs for an FHA loan specialist in Michigan include an origination fee of 1 percent of the loan amount. Closing costs generally range from 3 to 5 percent of the purchase price. For a $200,000 home this means closing costs of $6,000 to $10,000. The upfront mortgage insurance premium adds $3,500. These costs vary by lender and borrower qualifications. 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 credit score is needed for an FHA loan in Holt Michigan?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Some lenders may accept a score as low as 500 with a 10 percent down payment. Michigan specific requirements do not change this federal standard.
What are the FHA loan limits for Holt Michigan in 2025?
For 2025 the FHA loan limit for a single family home in Ingham County is $498,257. This limit applies to Holt as it is part of Ingham County. Higher limits apply for multi unit properties.
Do I need mortgage insurance for an FHA loan in Michigan?
Yes all FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount. You also pay an annual mortgage insurance premium which varies based on loan term and down payment. This insurance is required for the life of the loan if your down payment is less than 10 percent.
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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 Michigan.