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Browse fha loan specialists serving Winterville, North Carolina. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Winterville, 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 2 fha loan specialists in Winterville, 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.
Regional Finance
701 W Fire Tower Rd Suite E, Winterville, NC 28590
2529176162
Mariner Finance
111 W Fire Tower Rd Ste. C, Winterville, NC 28590
2523213060
An FHA loan specialist in Winterville, North Carolina helps borrowers qualify for government-backed mortgages with lower down payments. North Carolina law requires all mortgage loan originators to be licensed through the Nationwide Mortgage Licensing System. Specialists in Winterville can guide you through FHA guidelines specific to Pitt County property values and local housing markets.
What Does a FHA Loan Specialist in Winterville Cost?
FHA loan specialist fees in North Carolina typically range from 1,000 to 3,000 dollars for origination and processing. The upfront mortgage insurance premium is 1.75 percent of the loan amount, and annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan terms. Closing costs in Winterville usually add 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 Winterville?
Most FHA loans in North Carolina require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify with a 10 percent down payment. Each lender may have additional requirements.
Are there specific FHA loan limits for Winterville North Carolina?
Yes, FHA loan limits in Winterville follow Pitt County limits set by the Department of Housing and Urban Development. For 2024, the standard single-family limit is typically around 498,257 dollars. Higher limits apply for duplexes and larger properties.
Can I use an FHA loan to buy a fixer-upper in Winterville?
Yes, the FHA 203k loan program allows you to finance both the purchase and renovation of a home in Winterville. North Carolina requires all contractors to be licensed for projects over 30,000 dollars. Your specialist can explain the inspection and approval process.
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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.