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 13 fha loan specialists in Kinston, 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.
Time Financing Service
1600 W Vernon Ave, Kinston, NC 28504
2522080142
National Finance Company
405 W Vernon Ave, Kinston, NC 28501
2525238107
Down East Realty & Custom Homes of Kinston
1504 W New Bern Rd, Kinston, NC 28504
2526430501
Ezzell Mortgage Group
2600 W Vernon Ave, Kinston, NC 28504
2525238171
OneMain Financial
506 Plaza Blvd, Kinston, NC 28501
2525223211
Self Help Credit Union
1910 W Vernon Ave, Kinston, NC 28504
2525206602
Lendmark Financial Services LLC
4167 W Vernon Ave, Kinston, NC 28504
2525235161
Future Financial Services LLC
827 Hardee Rd, Kinston, NC 28504
2525271503
Truist
2009 W Vernon Ave, Kinston, NC 28504
2525594600
Carolina Finance
803 N Queen St, Kinston, NC 28501
2525271035
SMC Home Finance
717 Rosanne Dr STE 1, Kinston, NC 28504
2525235800
East Carolina Mortgage
2506 N Herritage St Suite B, Kinston, NC 28501
2525238171
PNC Mortgage
609 Plaza Blvd, Kinston, NC 28501
2525592240
What Does a FHA Loan Specialist in Kinston 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 an annual MIP of 0.55 to 0.85 percent. Closing costs in Kinston usually range from 2 to 5 percent of the purchase price. Lender fees and appraisal costs add several hundred dollars. Costs vary by situation and lender. 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 are the minimum credit score requirements for an FHA loan in Kinston?
The FHA requires a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Individual lenders in North Carolina may set higher requirements.
Are there specific FHA loan limits for Kinston North Carolina?
Yes FHA loan limits vary by county. For Lenoir County the 2025 FHA loan limit for a single family home is typically around $498,257. This amount is adjusted annually by HUD based on median home prices in the area.