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Directory of fha loan specialists in Dunkirk, New York. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Dunkirk, NY
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 New York before hiring.
Showing 6 fha loan specialists in Dunkirk, NY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Greater Chautauqua FCU
57 Lake Shore Dr W, Dunkirk, NY 14048
7163668150
Community Bank, N.A.
3909 Vineyard Dr, Dunkirk, NY 14048
7166722144
KeyBank
51 E 4th St, Dunkirk, NY 14048
7163662922
Cattaraugus County Bank
1165 Main St Ext, Dunkirk, NY 14048
7163636301
Lake Shore Bank - Dunkirk
128 E 4th St, Dunkirk, NY 14048
7163664070
Gugino & Ryel Financial
200 Lake Shore Dr W, Dunkirk, NY 14048
7163632804
FHA loan specialists in Dunkirk New York help homebuyers secure government-backed mortgages with lower down payments. New York State law requires FHA lenders to provide clear disclosure of all fees and terms. Local specialists understand the housing market in Chautauqua County and can guide you through the application process.
What Does a FHA Loan Specialist in Dunkirk Cost?
Typical costs for FHA loan specialist services in New York include an origination fee of 1 to 2 percent of the loan amount. Appraisal fees range from 500 to 700 dollars. Credit report fees are about 30 to 50 dollars. Closing costs for an FHA loan in New York average 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 credit score is needed for an FHA loan in Dunkirk New York?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. Some lenders may accept scores as low as 500 with a 10 percent down payment. New York lenders must follow federal FHA guidelines.
What is the FHA loan limit for Chautauqua County in 2025?
For 2025 the FHA loan limit for a single family home in Chautauqua County is 524225 dollars. This amount is set by the Federal Housing Administration and applies to Dunkirk New York.
Do FHA loans require mortgage insurance in New York?
Yes FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount. Borrowers also pay an annual mortgage insurance premium for the life of the loan if the 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 New York.