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Compare FHA Loan Specialists in Clayton, NC

Compare fha loan specialists in Clayton. Review contact information and insurance categorys before you decide.

11 agents listed
Updated June 2026
Clayton, 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 State Mortgage Licensing Authority of North Carolina before hiring.
Showing 11 fha loan specialists in Clayton, 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.
Cornerstone Home Lending
336 E Main St, Clayton, NC 27520
(919) 550-2519 claytonhouseloans.com
Fairway Independent Mortgage Corporation
632 Pinecroft Dr, Clayton, NC 27520
(919) 879-3040 fairway.com
Don Waters | Fairway Independent Mortgage Corporation Area Manager
632 Pinecroft Dr, Clayton, NC 27520
(919) 795-5622 donwatfairway.com
Rob Yo The Mortgage Pro
421 E Main St Suite 101, Clayton, NC 27520
(919) 322-8201 robyothemortgagepro.com
Clayton Group - American Security Mortgage NMLS 40561
336 E Main St, Clayton, NC 27520
(919) 649-0379 americansecuritymortgage.com
Christie Latham | Fairway Independent Mortgage Corporation Branch Sales Manager
632 Pinecroft Dr, Clayton, NC 27520
(919) 649-3026 christielathamloans.com
Fairway Independent Mortgage Corporation - Joe Pessolano - Branch Sales Manager - NMLS# 1420072
632 Pinecroft Dr, Clayton, NC 27520
(919) 750-0011 fairwayindependentmc.com
Karen Elaine White | Fairway Independent Mortgage Corporation Loan Officer
632 Pinecroft Dr, Clayton, NC 27520
(919) 879-3056 homeloanswithkarenscare.com
Motto Mortgage Quality
218 E Main St Suite 223, Clayton, NC 27520
(919) 352-8938 mottomortgage.com
PrimeLending, A PlainsCapital Company - Clayton
8998 US-70 BUS Suite 105, Clayton, NC 27520
(919) 550-0902 lo.primelending.com
Jason Hill Motto Mortgage Quality
218 E Main St Suite 223, Clayton, NC 27520
(919) 352-8938 mottomortgage.com

An FHA loan specialist in Clayton, North Carolina can help you navigate the process of obtaining a government-backed mortgage. North Carolina law requires all mortgage loan officers to be licensed through the Nationwide Multistate Licensing System (NMLS). Working with a local specialist ensures you understand state-specific property tax rules and insurance requirements for Johnston County.

What Does a FHA Loan Specialist in Clayton Cost?

Typical costs for an FHA loan specialist in North Carolina include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual MIP of 0.55% to 0.85%. Closing costs usually range from 2% to 5% of the purchase price, covering origination fees, appraisal, and title services. Actual costs depend on the lender and your specific situation. 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 do I need for an FHA loan in Clayton?
FHA loans typically require a minimum credit score of 580 for a 3.5% down payment. Scores between 500 and 579 may qualify with a 10% down payment. North Carolina lenders may have their own overlays, so check with a specialist.
Are there FHA loan limits for Clayton North Carolina?
Yes, FHA loan limits vary by county. For Johnston County in 2024, the standard limit for a single-family home is $498,257. Higher limits apply for multi-unit properties. A specialist can confirm current figures.
What documents do I need for an FHA loan application in NC?
You will need pay stubs, W-2 forms, tax returns from the last two years, bank statements, and a valid ID. North Carolina also requires proof of homeowners insurance and a property appraisal from an FHA-approved appraiser.

FHA Loan Specialists in Other North Carolina Cities

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Legal Notice BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal 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 state mortgage licensing authority association before hiring.

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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