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Find FHA Loan Specialists Near You in Middletown, NY
Browse fha loan specialists serving Middletown, New York. Contact information and addresses listed below.
4 agents listed
Updated May 2026
Middletown, 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 Middletown, 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.
Bill Liebertz
390 Crystal Run Rd Suite 108, Middletown, NY 10941
8458209585
Chase Mortgage
12 Lloyds Ln, Middletown, NY 10940
8453423310
Chase Mortgage
440 NY-211, Middletown, NY 10940
8453431119
Chase Mortgage
135 North St, Middletown, NY 10940
8453436411
FHA loan specialists in Middletown, New York help buyers secure government-backed mortgages with lower down payments. New York law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand Orange County property values and can guide you through FHA appraisal requirements specific to the region.
What Does a FHA Loan Specialist in Middletown Cost?
FHA loan costs in New York include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.45 to 1.05 percent. Typical closing costs in Middletown range from 2 to 5 percent of the purchase price. Lender origination fees vary but often fall between 0.5 and 1 percent. 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 do I need for an FHA loan in Middletown NY?
Most FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. New York lenders may have additional overlay requirements beyond the FHA minimum.
Are there income limits for FHA loans in New York?
FHA loans do not have income limits for borrowers. However, the property must be your primary residence and meet FHA appraisal standards. New York law also requires lenders to verify your ability to repay the loan based on your debt-to-income ratio.
How long does an FHA loan closing take in New York?
A typical FHA loan closing in New York takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs required by the FHA appraisal. New York law requires a three-day right of rescission for refinances, which adds to the timeline.
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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.