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 5 fha loan specialists in Indian Trail, 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.
April Lynne Palacios - Fairway Independent Mortgage Corporation
6431 Old Monroe Rd Suite 201, Indian Trail, NC 28079
9802904140
Integrity Mortgage Group
2716 Manor Stone Way, Indian Trail, NC 28079
9106903764
Edge Home Finance | Jerard Cobas
1511 Tarrington Way, Indian Trail, NC 28079
7046698036
Fairway Independent Mortgage Corporation
6431 Old Monroe Rd Suite 201, Indian Trail, NC 28079
7042611000
Envoy Mortgage
255 Post Office Dr, Indian Trail, NC 28079
7046846008
What Does a FHA Loan Specialist in Indian Trail Cost?
Typical costs for an FHA loan specialist in North Carolina include an origination fee of 1 percent of the loan amount, plus appraisal fees ranging from 500 to 700 dollars. The upfront mortgage insurance premium (UFMIP) is 1.75 percent of the loan amount, and annual mortgage insurance premiums (MIP) vary from 0.45 to 1.05 percent. Costs vary by lender and borrower situation. 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 requirements in Indian Trail North Carolina?
FHA loans require a minimum 3.5 percent down payment and a credit score of at least 580. Borrowers must also have a debt-to-income ratio below 43 percent and the property must meet FHA appraisal standards. North Carolina does not have additional state-specific FHA rules beyond federal guidelines.
How do I find a licensed FHA loan specialist in Indian Trail?
You can search the NMLS Consumer Access database to verify a loan officer license in North Carolina. Local banks, credit unions, and mortgage brokers in Indian Trail often employ FHA-approved specialists. Ask for referrals from real estate agents familiar with Union County.
What is the FHA loan limit for Union County North Carolina in 2025?
For 2025, the FHA loan limit for Union County is typically the standard floor limit of $498,257 for a single-family home. Higher limits may apply for duplexes or larger properties. Check the HUD website for the most current figures.