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Directory of fha loan specialists in Patchogue, New York. Verify credentials with the state mortgage licensing authority before hiring.
10 agents listed
Updated May 2026
Patchogue, 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 10 fha loan specialists in Patchogue, 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.
Contour Mortgage - Patchogue
99 N Ocean Ave, Patchogue, NY 11772
8006679160
Anthony Gagliardi - Mortgage Lender NMLS #2559222
99 N Ocean Ave, Patchogue, NY 11772
9345002633
MCS Mortgage Bankers, Inc.
20 Oak St, Patchogue, NY 11772
8003007780
loanDepot
180 E Main St #205B, Patchogue, NY 11772
6316526400
Home America Lending Corp.
20 Oak St suite 206, Patchogue, NY 11772
8003007780
Chase Home Lending
115 E Main St, Patchogue, NY 11772
6316542700
MCS Mortgage Bankers Inc
646 Medford Ave, Patchogue, NY 11772
6314759800
Chase Home Lending
499 Sunrise Hwy Ste 84, Patchogue, NY 11772
7204225611
Nichol Bodden - Mortgage Loan Officer
251 E Main St, Patchogue, NY 11772
6317674588
Jeffrey Cacace - Contour Mortgage
99 N Ocean Ave, Patchogue, NY 11772
5169651784
FHA loan specialists in Patchogue, New York help homebuyers navigate Federal Housing Administration loans, which are popular for first-time buyers and those with lower credit scores. These loans are insured by the FHA and require a minimum down payment of 3.5 percent. In New York, specialists must follow state licensing rules under the New York Banking Law, and they often work with local lenders familiar with Suffolk County property values and closing procedures.
What Does a FHA Loan Specialist in Patchogue Cost?
Typical costs for FHA loan specialist services in New York include an origination fee of 1 percent of the loan amount, plus other closing costs such as appraisal fees (around $500 to $700) and credit report fees (about $30 to $50). The FHA requires an upfront mortgage insurance premium of 1.75 percent of the loan, which can be financed into the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. 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 does an FHA loan specialist in Patchogue do?
An FHA loan specialist guides you through the FHA loan process, from pre-approval to closing. They help you understand FHA requirements, such as the 3.5 percent down payment and mortgage insurance premiums. In Patchogue, they also know local appraisal standards and New York state specific loan limits.
What are the FHA loan limits for Patchogue New York?
For 2025, the FHA loan limit for a single-family home in Suffolk County, which includes Patchogue, is typically around $1,089,300 for high-cost areas. These limits are set by the Department of Housing and Urban Development and can change each year. A specialist can confirm the current limit for your specific property.
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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.