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Looking for a fha loan specialist in Latham? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Latham, 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 Latham, 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.
ClearPath Mortgage Solutions
43 British American Blvd Suite 5, Latham, NY 12110
5183897070
Maple Tree Funding
1202 Troy-Schenectady Rd Building 3, Latham, NY 12110
5187821202
Freedom One Funding
404 Troy-Schenectady Rd, Latham, NY 12110
5183835583
Premium Mortgage Corporation
935 Loudon Rd Suite 3A, Latham, NY 12110
5189248001
FHA loan specialists in Latham, New York help homebuyers and homeowners access FHA-insured mortgages. These loans are popular in the Capital Region due to lower down payment requirements and flexible credit guidelines. New York law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Latham Cost?
Typical costs for an FHA loan specialist in New York include an origination fee, which is usually 1 percent of the loan amount, and third-party fees for appraisal, credit report, and title services. Appraisal fees in the Capital Region range from $500 to $700. Closing costs generally total 2 to 5 percent of the loan amount. Note that costs vary by situation. 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 FHA loan limits for Latham, New York?
For 2025, the FHA loan limit for a single-family home in Albany County, which includes Latham, is $524,225 for a standard loan. Higher limits apply for multi-unit properties and in high-cost areas.
What is the minimum down payment for an FHA loan in New York?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price if your credit score is 580 or higher. If your credit score is between 500 and 579, you may need a 10 percent down payment.
Do FHA loans require mortgage insurance in New York?
Yes, all FHA loans require both an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual mortgage insurance premium (MIP) that varies based on loan term and loan-to-value ratio. MIP is paid monthly.
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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.