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Browse fha loan specialists serving Shirley, New York. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Shirley, 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 2 fha loan specialists in Shirley, 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.
Diane Vitale-Kos - Chase Home Lending Advisor - NMLS ID 490716
645 William Floyd Pkwy, Shirley, NY 11967
5166627717
Chase Home Lending
645 William Floyd Pkwy, Shirley, NY 11967
5166627717
An FHA loan specialist in Shirley New York can guide you through the process of obtaining a government-backed mortgage. These loans are popular for first-time homebuyers and those with lower credit scores. New York law requires all mortgage loan originators to be licensed through the Department of Financial Services, ensuring you work with a regulated professional.
What Does a FHA Loan Specialist in Shirley Cost?
Typical costs for an FHA loan specialist in New York include an origination fee of up to 1 percent of the loan amount. You may also pay for an appraisal, credit report, and title search, which can total between $500 and $1,500. The upfront mortgage insurance premium is 1.75 percent of the loan amount, and annual mortgage insurance premiums range from 0.45 to 1.05 percent. This is general information, 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 and who should consider it in Shirley?
An FHA loan is a mortgage insured by the Federal Housing Administration. It is designed for borrowers with lower credit scores or smaller down payments. In Shirley, these loans are often used for single-family homes and condos in Suffolk County.
What are the down payment requirements for an FHA loan in New York?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price if you have a credit score of 580 or higher. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. These requirements apply across New York State.
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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.