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Directory of fha loan specialists in Boone, North Carolina. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Boone, 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 Boone, 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.
Lendmire
584 State Farm Rd Suite 203, Boone, NC 28607
8282562183
Mountaineer Mortgages
719 A #103 Greenway Rd, Boone, NC 28607
8283727047
FHA loan specialists in Boone North Carolina help borrowers qualify for government-backed mortgages with lower down payments and flexible credit requirements. North Carolina law requires all mortgage loan originators to be licensed through the North Carolina Commissioner of Banks. Local specialists understand the unique mountain property market in Watauga County and can guide you through FHA appraisal requirements for homes in rural areas.
What Does a FHA Loan Specialist in Boone Cost?
FHA loan specialist fees in North Carolina typically include an origination fee of 0.5 to 1.0 percent of the loan amount plus third-party costs for appraisal credit report and title services. Total closing costs often range from 3 to 5 percent of the purchase price. The upfront mortgage insurance premium (UFMIP) is 1.75 percent of the loan amount and can be rolled into the loan. Annual mortgage insurance premiums (MIP) vary based on loan term and down payment. 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 credit score is needed for an FHA loan in Boone North Carolina?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Some lenders may accept scores as low as 500 with a 10 percent down payment. Each lender sets its own overlays so requirements can vary.
Are there specific FHA loan limits for Watauga County?
Yes FHA loan limits vary by county. For 2025 the FHA floor limit for Watauga County is typically around $498,257 for a single-family home. High-cost areas may have higher limits. Check the HUD website for current limits.
Can I use an FHA loan to buy a fixer-upper in Boone?
Yes the FHA 203(k) loan allows you to finance both the purchase and renovation of a home. This is popular in Boone for older mountain cabins or homes needing updates. The loan requires a HUD-approved consultant and specific contractor bids.
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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 North Carolina.