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Find FHA Loan Specialists Near You in Kings Mountain, NC
Directory of fha loan specialists in Kings Mountain, North Carolina. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Kings Mountain, 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 8 fha loan specialists in Kings Mountain, 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.
On Q Home Loans- Ben Ingle
129 S Battleground Ave, Kings Mountain, NC 28086
7048130839
On Q Home Loans | Kings Mountain
129 S Battleground Ave, Kings Mountain, NC 28086
7048130839
Diane Phillips
129 S Battleground Ave, Kings Mountain, NC 28086
7042143344
On Q Home Loans - Rene Taubensee
129 S Battleground Ave, Kings Mountain, NC 28086
4073420349
Michelle Cobb
129 S Battleground Ave, Kings Mountain, NC 28086
7042141740
Cardinal Financial - Ben Ingle - NMLS 58197
502 W King St Ste. 201, Kings Mountain, NC 28086
7048130839
Scott Phillips - On Q Home Loans, Home Mortgage Lender
129 S Battleground Ave, Kings Mountain, NC 28086
7042143332
PMG WORLDWIDIE INC
200 Waco Rd, Kings Mountain, NC 28086
7044015288
An FHA loan specialist in Kings Mountain, North Carolina helps borrowers understand and apply for FHA-insured mortgages. These loans are popular for first-time homebuyers and those with lower credit scores. North Carolina law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System.
What Does a FHA Loan Specialist in Kings Mountain Cost?
Typical costs for an FHA loan specialist in North Carolina include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual mortgage insurance premiums of 0.45 to 1.05 percent. Lender origination fees usually range from 0.5 to 1.5 percent of the loan amount. Closing costs in Kings Mountain typically total 2 to 5 percent of the purchase price. 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 credit score do I need for an FHA loan in Kings Mountain?
Most FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Some lenders may accept scores as low as 500 with a 10 percent down payment. Each lender in North Carolina sets its own requirements above FHA minimums.
What is the FHA loan limit for Kings Mountain North Carolina?
For 2025 the FHA loan limit for a single-family home in Cleveland County is typically around 498,257 dollars. Limits vary by county and are adjusted annually by the Department of Housing and Urban Development.
Do I need to live in Kings Mountain to get an FHA loan here?
No, you do not need to live in Kings Mountain to get an FHA loan for a property there. However the property must be your primary residence. FHA loans are not available for investment or vacation properties.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial 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 mortgage licensing authority before hiring.
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.