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 2 fha loan specialists in Johnson City, 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.
OneMain Financial
365R Harry L Dr, Johnson City, NY 13790
6077979523
Absolute Home Mortgage Corporation
520 Columbia Dr suite 207, Johnson City, NY 13790
6072169832
What Does a FHA Loan Specialist in Johnson City Cost?
Typical costs for an FHA loan specialist in New York range from 0.5 percent to 1.5 percent of the loan amount as a origination fee. For a $200,000 loan this would be $1,000 to $3,000. Additional costs include appraisal fees around $500 to $700 and credit report fees of $30 to $50. 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 Johnson City New York in 2025?
For 2025 the FHA loan limit for a single family home in Broome County is $498,257. This limit applies to most areas in Johnson City and is set by the Department of Housing and Urban Development.
What credit score is needed for an FHA loan in New York?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Some lenders may accept scores as low as 500 with a 10 percent down payment. New York does not have additional state credit score requirements.
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. They also require an annual mortgage insurance premium that varies based on loan term and down payment. New York law requires lenders to disclose these costs clearly.