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Compare fha loan specialists in Sumrall. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Sumrall, 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 Sumrall, 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.
Beam Law Firm
4 Preston St, Sumrall, MS 39482
6015168010
Rapid Mortgage Sumrall
28 N Rayburn Rd Suite 6B, Sumrall, MS 39482
6014082240
An FHA loan specialist in Sumrall, Mississippi, can guide you through the process of securing a government-backed mortgage with a low down payment. These loans are popular in the Pine Belt region for first-time homebuyers and those with lower credit scores. Mississippi law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS), ensuring you work with a qualified professional.
What Does a FHA Loan Specialist in Sumrall Cost?
Typical costs for an FHA loan in Mississippi include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual premium of 0.55 to 0.85 percent. Closing costs in Sumrall generally range from 2 to 5 percent of the purchase price, including appraisal fees around 500 dollars and credit report fees of 30 to 50 dollars. Lender origination fees vary but often fall between 1,000 and 1,500 dollars. 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 minimum credit score requirements for an FHA loan in Sumrall?
The standard minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but must put down at least 10 percent. Local lenders in Sumrall may have their own overlays, so check with a specialist.
Are there any Mississippi-specific rules for FHA loans?
Mississippi follows federal FHA guidelines but also requires that all mortgage loan originators be registered with the Mississippi Department of Banking and Consumer Finance. Additionally, FHA loans in Mississippi require a property to meet minimum health and safety standards set by the U.S. Department of Housing and Urban Development.
How long does the FHA loan process take in Sumrall?
The typical FHA loan process in Mississippi takes 30 to 45 days from application to closing. Delays can occur if the property requires repairs to meet FHA standards. Your specialist will help coordinate the appraisal and underwriting steps.
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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 Mississippi.