ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare fha loan specialists in Oxford. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Oxford, MS
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 Mississippi before hiring.
Showing 2 fha loan specialists in Oxford, MS
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Gum Tree Mortgage
404 Enterprise Dr suite f, Oxford, MS 38655
6622341940
GMFS Mortgage - Oxford
410 Enterprise Dr, Oxford, MS 38655
6627624502
FHA loan specialists in Oxford Mississippi help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. Mississippi law requires all FHA loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand Oxfords unique real estate market and can guide you through Mississippi specific property appraisal rules.
What Does a FHA Loan Specialist in Oxford Cost?
Typical costs for FHA loan services in Mississippi include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Lender origination fees usually range from 0.5 to 1.5 percent of the loan amount. Appraisal fees in Oxford average $500 to $700. Closing costs typically total 3 to 5 percent of the purchase price. 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 are the FHA loan limits for Oxford Mississippi?
For 2025 the FHA loan limit for a single-family home in Lafayette County is $498,257. This limit applies to most areas in Mississippi and is adjusted annually based on median home prices.
Do I need a special license to originate FHA loans in Mississippi?
Yes all FHA loan officers in Mississippi must hold a valid Mortgage Loan Originator license through the Mississippi Department of Banking and Consumer Finance. They must also complete annual continuing education on federal and state regulations.
What is the minimum down payment for an FHA loan in Mississippi?
The minimum down payment for an FHA loan in Mississippi is 3.5 percent of the purchase price if your credit score is 580 or higher. If your score is between 500 and 579 you may need a 10 percent down payment.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Oxford who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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 Mississippi.