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Showing 2 fha loan specialists in Northport, NY
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Mike Vassallo, Financial Equities Mortgage Bankers
172a Main St, Northport, NY 11768
6318065569
Chase Home Lending
54 Main St, Northport, NY 11768
6318060429
What Does a FHA Loan Specialist in Northport Cost?
Typical costs for an FHA loan specialist in New York include an origination fee of 0.5 to 1.0 percent of the loan amount. Upfront mortgage insurance premium is 1.75 percent of the loan amount and monthly mortgage insurance is 0.55 percent of the loan balance. Closing costs in New York average 2 to 5 percent of the purchase price. 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 Northport New York?
FHA loan limits in Suffolk County where Northport is located are higher than standard limits due to the area being designated as a high cost region. For 2025 the single family home limit is approximately $1,149,825. These limits are set annually by the Department of Housing and Urban Development.
What credit score is needed for an FHA loan in New York?
FHA loans generally 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 overlays beyond FHA minimum requirements.