FHA Loan Specialists in Cary, NC — Compare & Find

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 State Mortgage Licensing Authority of North Carolina before hiring.

Showing 20 fha loan specialists in Cary, 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.

VIVA Lending Group LLC - Suneel Kommireddy (Mortgage Broker)

160 Macgregor Pines Dr Ste 310b, Cary, NC 27511

(919) 699-5895 vivalendinggroup.com

Pathway Mortgage Group, Inc.

140 Preston Executive Dr Suite 205D, Cary, NC 27513

(919) 745-8882 pathwaymortgagegroup.com

The Sherry Riano Team at Developer's Mortgage Company

215 E Chatham St Suite 301, Cary, NC 27511

(919) 234-7415 thesherryrianoteam.com

The Larry Mitchell Team - Silverton Mortgage

1140 Kildaire Farm Rd # 205, Cary, NC 27511

(919) 815-6807 larrymitchell.net

Stephen Livesay, NMLS: 302285 - Silverton Mortgage

1140 Kildaire Farm Rd # 205, Cary, NC 27511

(919) 656-4516 slivesay.com

First Home Mortgage - Cary/Raleigh

51 Kilmayne Dr STE 105, Cary, NC 27511

(919) 300-3010 firsthome.com

Fairway Independent Mortgage Corporation: Nevin Williams

1300 SE Maynard Rd #103, Cary, NC 27511

(919) 714-8796 nevinmortgageteamatfairway.com

7 Locks Lending — Mortgages & Refinancing

15000 Weston Pkwy, Cary, NC 27513

(919) 412-5375 7lockslending.com

Mortgage Choice NMLS 89877

1003 High House Rd # 202, Cary, NC 27513

(919) 655-0330 mortgagechoiceinc.com

Revolution Mortgage

100 Towerview Ct Ste 100, Cary, NC 27513

(252) 472-0005 revolutionmortgage.com

Carolina Mortgage Authority Incorporated NMLS 56995

107 Edinburgh S Dr Ste 202, Cary, NC 27511

(919) 468-2870 mortgageauthority.com

Silverton Mortgage - Apex

1140 Kildaire Farm Rd # 205, Cary, NC 27511

(980) 294-0126 silvertonmortgage.com

Right By You Mortgage

100 W Chatham St Suite 300, Cary, NC 27511

(877) 552-2242 rightbyyoumortgage.com

Exhale Lending LLC

1135 Kildaire Farm Rd Suite 200-10, Cary, NC 27511

(984) 208-1113 exhalelending.com

Best Mortgage Lending Corp

1143 Executive Cir C103, Cary, NC 27511

(305) 763-5427 bestmtglending.com

Mike Matthews at First Heritage Mortgage, LLC

1140 Kildaire Farm Rd Room 104, Cary, NC 27511

(919) 741-8793 fhmtg.com

Brightline Mortgage LLC

1200 SE Maynard Rd Suite#102, Cary, NC 27511

(919) 429-7400 brightlinemortgage.com

Jason L Harris The Triangle Mortgage Man

1400 Crescent Green Suite 100, Cary, NC 27518

(919) 649-4659 trianglemortgageman.com

Steve Thorne Mortgage Team

201 Shannon Oaks Cir suite 204, Cary, NC 27511

(919) 649-5058 ncfhaexpert.com

Jeff Burgess Senior Mortgage Loan Officer

1750 NW Maynard Rd STE 106, Cary, NC 27513

(919) 906-8874

An FHA loan specialist in Cary, North Carolina helps borrowers navigate FHA insured mortgages. These loans are popular for first time home buyers and those with lower credit scores. North Carolina law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).

What Does a FHA Loan Specialist in Cary Cost?

Typical costs for an FHA loan specialist in North Carolina include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual MIP of 0.55 to 0.85 percent based on loan term and loan to value ratio. Lender origination fees range from 0.5 to 1.5 percent of the loan amount. Third party costs like appraisal and title search add 500 to 1500 dollars. 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 Cary North Carolina?

For 2025, the FHA loan limit for a single family home in Wake County including Cary is $524,225. Higher limits apply for two, three, and four unit properties. These limits are set by HUD and updated annually.

What credit score is needed for an FHA loan in North Carolina?

The minimum credit score for an FHA loan is 580 with 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 higher overlay requirements.

How long does an FHA loan closing take in North Carolina?

A typical FHA loan closing in North Carolina takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs required by the FHA appraisal. North Carolina law requires a three day right of rescission for refinances.

FHA Loan Specialists in Other North Carolina Cities

Aberdeen · Apex · Archdale · Asheboro · Asheville · Belmont · Black Mountain · Boone · Burlington · Chapel Hill · Charlotte · Clayton · Clemmons · Concord · Conover

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About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of North Carolina.

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