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Directory of fha loan specialists in Utica, New York. Verify credentials with the state mortgage licensing authority before hiring.
12 agents listed
Updated May 2026
Utica, 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 12 fha loan specialists in Utica, 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.
Assist2Sell Buyer’s & Seller’s 1st Choice
2704 Genesee St, Utica, NY 13502
3157359244
Homestead Funding Corp: Patrick McKenney | NMLS# 463228
1707 Oriskany St W Suite 110, Utica, NY 13502
3155255428
Homestead Funding Corp: David Husnay | NMLS# 1182166
1707 Oriskany St W Suite 110, Utica, NY 13502
3154158058
Homestead Funding Corp: Lauren Elizabeth DiMaggio | NMLS# 1192916
1707 Oriskany St W Suite 110, Utica, NY 13502
3152259643
Bank of Utica
222 Genesee St, Utica, NY 13502
3157972700
The HomeOwnershipCenter
1611 Genesee St, Utica, NY 13501
3157244197
Homestead Funding Corp. – Utica
1707 Oriskany St W Suite 110, Utica, NY 13502
3157905000
Utica District Tel Federal CU
2812 Genesee St, Utica, NY 13502
3157245133
Merrill Lynch Wealth Management
102 Business Park Dr, Utica, NY 13502
3157389100
Nathan G. Hanna, LLC
2219 Genesee St, Utica, NY 13501
3159398219
Homestead Funding Corp: Jennifer Noble | NMLS# 2437736
1707 Oriskany St W Suite 110, Utica, NY 13502
3152390131
Commercial Lending Utica NY
258 Genesee St, Utica, NY 13502
3158600536
FHA loan specialists in Utica help homebuyers secure mortgages insured by the Federal Housing Administration. These loans often require lower down payments and credit scores than conventional loans. In New York, FHA loans must comply with state specific property appraisal and disclosure rules, including New York General Business Law Article 12-D for mortgage brokers.
What Does a FHA Loan Specialist in Utica Cost?
Typical costs for an FHA loan specialist in New York include an origination fee of 1 to 1.75 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent. Additional costs may include appraisal fees of $500 to $700 and title search fees of $800 to $1,200. 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 Utica do?
An FHA loan specialist guides you through the FHA loan process from pre approval to closing. They help you gather required documents, explain New York specific mortgage taxes, and ensure the loan meets FHA and state regulations.
What are the FHA loan limits for Utica New York?
For 2025, the FHA loan limit for a single family home in Oneida County is $498,257. Higher limits apply for multi unit properties. These limits are set annually by the Department of Housing and Urban Development.
Do I need a special license to be an FHA loan specialist in New York?
Yes. In New York, mortgage loan originators must be licensed through the Nationwide Multistate Licensing System and comply with New York Banking Law Article 12-D. FHA approval also requires meeting federal HUD standards.
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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.