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 12 fha loan specialists in Shelby, 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.
National Finance Company
1606 E Dixon Blvd D, Shelby, NC 28150
7044821464
Mathewson Mortgage Capital LLC
649 S Post Rd, Shelby, NC 28152
7049413064
Mariner Finance
1754 E Dixon Blvd Ste. C, Shelby, NC 28152
7044822025
HomeTrust Bank - Shelby
224 E Warren St, Shelby, NC 28150
7044874387
OneMain Financial
1230 E Dixon Blvd Unit 11, Shelby, NC 28152
7044811761
Homestar Financial Corporation
824 S Dekalb St, Shelby, NC 28150
7044822588
Lendmark Financial Services LLC
711 E Dixon Blvd, Shelby, NC 28152
7044821496
Allied Financial Services Inc
1241 E Dixon Blvd # 3, Shelby, NC 28152
7044843404
Basic Finance
306 E Dixon Blvd, Shelby, NC 28152
7044810111
M & J Loans of Shelby, Inc
409 S Lafayette St, Shelby, NC 28150
7044874141
Right By You Mortgage
331 S Lafayette St Suite 200, Shelby, NC 28150
7044824580
PNC Mortgage
131 N Lafayette St, Shelby, NC 28150
7044805200
What Does a FHA Loan Specialist in Shelby Cost?
Typical costs for an FHA loan specialist in North Carolina include an origination fee of 1 to 2 percent of the loan amount. Appraisal fees range from $400 to $700, and credit report fees are around $30 to $50. Closing costs in Shelby usually total 3 to 5 percent of the home price. These costs vary by lender and property. 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 Shelby?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. If your score is between 500 and 579, you may still qualify with a 10 percent down payment. Lenders in Shelby may have their own overlays, so check with a local specialist.
Are there FHA loan limits in Cleveland County?
Yes, FHA loan limits vary by county. For 2024 in Cleveland County, the standard limit for a single-family home is $498,257. Higher limits apply for multi-unit properties. A local specialist can confirm current limits for Shelby.
What documents do I need for an FHA loan application in North Carolina?
You will need recent pay stubs, W-2 forms from the past two years, federal tax returns, bank statements, and a valid photo ID. North Carolina also requires proof of homeowners insurance. Your specialist will provide a full checklist.