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Compare fha loan specialists in Black Mountain. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Black Mountain, NC
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 North Carolina before hiring.
Showing 2 fha loan specialists in Black Mountain, NC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
First Bank - Black Mountain, NC
300 W State St, Black Mountain, NC 28711
8286698432
Atlantic Bay Mortgage Group - Black Mountain, NC
110 Black Mountain Ave Unit C, Black Mountain, NC 28711
8287823032
FHA loan specialists in Black Mountain North Carolina help homebuyers secure government-backed mortgages with lower down payments. North Carolina law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand the unique real estate market in Buncombe County and can guide you through the FHA loan process.
What Does a FHA Loan Specialist in Black Mountain Cost?
Typical costs for FHA loan services in North Carolina include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual mortgage insurance premiums ranging from 0.45 to 1.05 percent. Lender fees and closing costs generally range from 2 to 5 percent of the loan amount. Costs vary by situation and lender. 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 are the FHA loan limits for Black Mountain North Carolina?
For 2025 the FHA loan limit for a single family home in Buncombe County is $498,257. This limit applies to most areas in western North Carolina and is adjusted annually by HUD.
Do I need a special license to work with an FHA loan specialist in North Carolina?
Yes North Carolina requires all mortgage loan originators to hold a valid license through the NMLS. You can verify a specialist license on the NMLS Consumer Access website before starting your application.
What credit score is needed for an FHA loan in Black Mountain?
FHA loans typically 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. Each lender may have its own requirements above the FHA minimum.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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 North Carolina.