Compare FHA Loan Specialists in Malta, NY
Looking for a fha loan specialist in Malta? Review the directory below to compare your options.
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
State Mortgage Licensing Authority of New York before hiring.
Showing 2 fha loan specialists in Malta, 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.
What Does a FHA Loan Specialist in Malta Cost?
Typical costs for FHA loan specialist services in New York include an origination fee of 1 to 2 percent of the loan amount. You may also pay for an appraisal around 500 to 700 dollars and a credit report fee of about 30 to 50 dollars. The FHA requires an upfront mortgage insurance premium of 1.75 percent of the base loan amount and an annual premium of 0.55 percent. These costs vary by lender and loan size. 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 Malta New York?
An FHA loan specialist is a licensed mortgage professional who helps borrowers apply for FHA insured loans. In New York, they must hold a valid license from the Department of Financial Services and follow state specific disclosure rules.
What are the FHA loan limits for Malta New York in 2025?
For 2025, the FHA loan limit for a single family home in Saratoga County including Malta is 498,257 dollars. This amount is set by the Department of Housing and Urban Development and may change annually.
Do I need a special license to work with an FHA loan specialist in New York?
Yes. Under New York Banking Law Article 12-D, all mortgage loan originators must be licensed by the New York State Department of Financial Services. You can verify a specialist license on the NMLS Consumer Access website.