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 Smithfield, 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.
Mariner Finance
1267 N Brightleaf Blvd B, Smithfield, NC 27577
9199380777
Security Credit Corporation
710 S Brightleaf Blvd, Smithfield, NC 27577
9199384555
Lendmark Financial Services LLC
388 Venture Dr Suite C, Smithfield, NC 27577
9842019196
Quality Finance Co Inc
721 N Brightleaf Blvd, Smithfield, NC 27577
9199341111
PNC Mortgage
410 E Market St, Smithfield, NC 27577
9199340171
What Does a FHA Loan Specialist in Smithfield Cost?
Typical costs for an FHA loan specialist in Smithfield include an origination fee of 1 percent of the loan amount and third-party fees for appraisal, credit report, and title search. The appraisal fee in North Carolina usually ranges from $500 to $700. Closing costs generally total 2 to 5 percent of the loan amount. 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 FHA loan limits for Smithfield, North Carolina?
For 2025, the FHA loan limit for a single-family home in Johnston County is $498,257. This amount applies to most areas in North Carolina and is set by the Department of Housing and Urban Development (HUD).
What credit score do I need for an FHA loan in North Carolina?
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 but must put down 10 percent. Lenders in Smithfield may have their own requirements above the FHA minimum.
Do FHA loans in North Carolina require mortgage insurance?
Yes, FHA loans require an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual mortgage insurance premium (MIP) paid monthly. The annual MIP rate varies from 0.15 percent to 0.75 percent depending on the loan term and loan-to-value ratio.