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 8 fha loan specialists in Smithtown, 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.
Contigo Mortgage
37 W Main St, Smithtown, NY 11787
6316099108
All Island Mortgage & Funding Corp.
496 NY-347 #308, Smithtown, NY 11787
6319793300
Best Rate Capital Inc.
975 W Jericho Turnpike #3, Smithtown, NY 11787
6313600003
DMN Mortgage Corp.
155 E Main St, Smithtown, NY 11787
6314863770
Vista Capital Services Inc
1020 W Jericho Turnpike #209, Smithtown, NY 11787
6316442663
UNMB Home Loans Inc. - Smithtown, NY
398 NY-111, Smithtown, NY 11787
6318519567
Long Island Mortgage | New York Reverse Mortgages
738 Smithtown Bypass #101, Smithtown, NY 11787
6318633300
Stephen Decker - Chase Home Lending Advisor - NMLS ID 626126
42 W Main St, Smithtown, NY 11787
5165287339
What Does a FHA Loan Specialist in Smithtown Cost?
Typical costs for an FHA loan specialist in New York include an origination fee of 1% to 1.5% of the loan amount, plus third party fees for appraisal, credit report, and title search. Total closing costs often range from 3% to 6% of the loan amount. New York also charges a mortgage recording tax, which varies by county. 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 does an FHA loan specialist in Smithtown do?
An FHA loan specialist guides you through the FHA loan process, including credit requirements, down payment rules, and property eligibility. They help you complete the application and ensure compliance with New York state lending laws.
What are the FHA loan limits for Smithtown New York?
FHA loan limits for Smithtown in 2024 are based on Suffolk County limits. For a single family home, the limit is typically around $1,149,825. These limits change annually and vary by property type.
Do I need a special license to offer FHA loans in New York?
Yes. FHA loan specialists in New York must hold a valid Mortgage Loan Originator license from the New York State Department of Financial Services. They must also complete continuing education and pass a background check.