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Directory of fha loan specialists in Geneva, New York. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
Geneva, 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 4 fha loan specialists in Geneva, 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.
An FHA loan specialist in Geneva, New York helps homebuyers navigate Federal Housing Administration loans, which often have lower down payment requirements. Geneva is in Ontario County, where FHA loan limits for 2024 are set at $498,257 for a single-family home. New York State law requires all mortgage loan originators to be licensed through the Department of Financial Services, ensuring your specialist meets state standards.
What Does a FHA Loan Specialist in Geneva Cost?
Typical costs for an FHA loan specialist in New York include an origination fee of 1% to 1.5% of the loan amount, plus an upfront mortgage insurance premium of 1.75% of the loan amount. Annual mortgage insurance premiums range from 0.45% to 1.05% of the loan balance. Third-party costs such as appraisal fees in Geneva average $500 to $700, and title insurance costs vary by property value. 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 is an FHA loan specialist in Geneva New York?
An FHA loan specialist is a licensed mortgage professional who guides borrowers through FHA-insured loans. In Geneva, they help with credit requirements, property appraisals, and closing procedures specific to New York State regulations.
What are the FHA loan limits for Geneva New York in 2024?
For 2024, the FHA loan limit for a single-family home in Ontario County, which includes Geneva, is $498,257. Higher limits apply for multi-unit properties. These limits are set by the U.S. Department of Housing and Urban Development and are adjusted annually.
What documents do I need for an FHA loan in New York?
You typically need pay stubs, W-2 forms, tax returns, bank statements, and a valid ID. New York also requires proof of homeowners insurance and a property appraisal by a HUD-approved appraiser. Your specialist will provide a complete checklist.
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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.