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Compare fha loan specialists in Royal Oak. Review contact information and insurance categorys before you decide.
8 agents listed
Updated May 2026
Royal Oak, 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 8 fha loan specialists in Royal Oak, 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.
Clear2 Mortgage
219 S Main St Ste 111, Royal Oak, MI 48067
2489700040
Mortgage City
1007 E 6th St, Royal Oak, MI 48067
2489308709
Omega Lending Group
115 S Main St #300, Royal Oak, MI 48067
2485988000
HomePal
303 W 4th St, Royal Oak, MI 48067
2489284992
Atlas Property Lending
309 S Main St, Royal Oak, MI 48067
2487392140
Fortress Home Mortgage, Inc.
1336 S Main St, Royal Oak, MI 48067
2485429158
Best Life Mortgage LLC
928 E 11 Mile Rd, Royal Oak, MI 48067
5865312751
Vet Loan Mortgage Service
230 Dewey St, Royal Oak, MI 48067
2482776060
An FHA loan specialist in Royal Oak, Michigan can help you navigate the Federal Housing Administration loan process. Michigan law requires all mortgage loan originators to be licensed through the Michigan Department of Insurance and Financial Services. Local specialists understand Royal Oak real estate trends and can guide you through FHA credit score and down payment requirements.
What Does a FHA Loan Specialist in Royal Oak Cost?
Typical costs for FHA loan services in Michigan 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 1.5 percent of the loan amount. Appraisal fees in Royal Oak average 500 to 700 dollars. Closing costs typically total 3 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 are the FHA loan requirements in Michigan?
FHA loans in Michigan require a minimum credit score of 580 for a 3.5 percent down payment. A score between 500 and 579 may qualify with a 10 percent down payment. The property must meet FHA appraisal standards and be your primary residence.
How do I find a licensed FHA loan specialist in Royal Oak?
You can search the Nationwide Mortgage Licensing System database for licensed loan originators in Royal Oak. Michigan requires all mortgage professionals to register with the state. Your specialist should have a valid NMLS number and be authorized to originate FHA loans.
What is the FHA loan limit for Royal Oak Michigan?
For 2024, the FHA loan limit for Oakland County including Royal Oak is 498,257 dollars for a single-family home. Higher limits apply for duplexes and multi-unit properties. These limits are set by the Department of Housing and Urban Development and may change annually.
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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.