Find FHA Loan Specialists Near You in Dunn, NC
Compare fha loan specialists in Dunn. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of North Carolina before hiring.
Showing 16 fha loan specialists in Dunn, NC
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What Does a FHA Loan Specialist in Dunn 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, plus an annual mortgage insurance premium (MIP) ranging from 0.45 to 1.05 percent depending on loan term and loan-to-value ratio. Closing costs in Dunn generally range from 2 to 5 percent of the purchase price, covering appraisal fees, title insurance, and lender fees. 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 minimum credit score requirements for an FHA loan in Dunn?
The standard minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but must put down at least 10 percent. North Carolina does not impose additional state-level credit requirements beyond federal FHA guidelines.
Are there specific property condition requirements for FHA loans in North Carolina?
Yes, FHA loans require an appraisal by an FHA-approved appraiser to ensure the property meets minimum health and safety standards. In North Carolina, this includes checking for structural issues, lead-based paint hazards in homes built before 1978, and proper functioning of major systems like HVAC and plumbing.
What is the maximum FHA loan limit for Dunn, North Carolina?
For 2025, the FHA loan limit for a single-family home in Harnett County is $498,257. This limit is based on the county median home price and is set annually by the Department of Housing and Urban Development (HUD). Higher limits apply for multi-unit properties.