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Browse fha loan specialists serving Concord, North Carolina. Contact information and addresses listed below.
10 agents listed
Updated May 2026
Concord, 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 10 fha loan specialists in Concord, 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.
Novus Custom Mortgage Group- Concord
785 Davidson Dr NW, Concord, NC 28025
7047968252
Terry Whitesell | Novus Home Mortgage Sales Manager
845 Church St N # 310, Concord, NC 28025
7042674086
Homeowners Financial Group
1028 Lee-Ann Dr NE #216, Concord, NC 28025
9806167700
The Roseberry Team - Novus Home Mortgage
785 Davidson Dr NW, Concord, NC 28025
7046226896
Empower Home Loans
78 Buffalo Ave NW Ste 202, Concord, NC 28025
7577614153
Bruce Lawing | Novus Home Mortgage Branch Manager
845 Church St N # 310, Concord, NC 28025
7047968252
The Gilmore Team | Novus Home Mortgage
785 Davidson Dr NW, Concord, NC 28025
7048150715
Brian B Floyd | Fairway Independent Mortgage Corporation Loan Officer
845 Church St N Suite 310 & 311, Concord, NC 28025
7047016157
MaryEllen MacDonald | Novus Home Mortgage Loan Officer
845 Church St N # 310, Concord, NC 28025
7046502565
Jimi Nelson | Novus Home Mortgage Loan Officer
845 Church St N # 310, Concord, NC 28025
7047637118
An FHA loan specialist in Concord, North Carolina helps borrowers navigate FHA-insured mortgages, which are popular for first-time homebuyers and those with lower credit scores. In North Carolina, FHA loans require a minimum down payment of 3.5 percent and must meet property condition standards set by the U.S. Department of Housing and Urban Development. Concord homebuyers often work with specialists familiar with local appraisal rules and Cabarrus County property values.
What Does a FHA Loan Specialist in Concord Cost?
FHA loan costs in Concord, North Carolina include an upfront mortgage insurance premium of 1.75 percent of the loan amount, which can be financed into the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance depending on loan term and down payment. Third-party fees such as appraisal (typically 400 to 700 dollars), credit report (30 to 50 dollars), and title insurance (varies by property value) also apply. 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 Concord North Carolina?
Most lenders in North Carolina require a minimum credit score of 580 for a 3.5 percent down payment FHA loan. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may set its own credit requirements above FHA minimums.
Are there specific property requirements for FHA loans in Concord?
Yes, FHA loans require an appraisal by an FHA-approved appraiser to ensure the property meets minimum health and safety standards. In North Carolina, the property must also comply with state building codes and local zoning laws in Concord. The home must be the borrower's primary residence.
How long does it take to close an FHA loan in North Carolina?
Typical FHA loan closings in North Carolina take 30 to 45 days from application to closing. Delays can occur if the appraisal reveals needed repairs or if documentation is incomplete. North Carolina law requires a three-day right of rescission for refinances but not for purchase loans.
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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.