Compare FHA Loan Specialists in Oswego, NY
Directory of fha loan specialists in Oswego, New York. Verify credentials with the state state mortgage licensing authority before hiring.
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 10 fha loan specialists in Oswego, NY
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An FHA loan specialist in Oswego, New York can help you navigate the Federal Housing Administration loan process. These loans are popular in Oswego due to lower down payment requirements and flexible credit guidelines. New York law requires all mortgage loan originators to be licensed through the New York State Department of Financial Services.
What Does a FHA Loan Specialist in Oswego Cost?
Typical costs for an FHA loan specialist in New York include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 to 0.85 percent. Lender fees can range from 500 to 1,500 dollars. Appraisal costs in Oswego are usually 400 to 700 dollars. 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 is needed for an FHA loan in Oswego?
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. Local lenders in Oswego may have additional requirements.
What are the FHA loan limits for Oswego County in 2025?
For 2025, the FHA loan limit for a single-family home in Oswego County is typically around $498,257. This amount can vary for multi-unit properties. A specialist can confirm the exact limit for your situation.
How long does the FHA loan process take in New York?
The FHA loan process in New York usually takes 30 to 45 days from application to closing. Delays can occur if additional documentation is needed. New York law requires a 3-day right of rescission for refinances.