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Directory of fha loan specialists in Zebulon, North Carolina. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Zebulon, 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 Zebulon, 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.
PNC Mortgage
300 N Arendell Ave, Zebulon, NC 27597
9194043850
Carolina Mortgage Group Inc
1401 N Arendell Ave, Zebulon, NC 27597
9192693862
An FHA loan specialist in Zebulon, North Carolina can help you navigate FHA loan requirements and the application process. North Carolina has specific property condition standards that FHA loans must meet, including a required appraisal by an FHA-approved appraiser. Local specialists understand Zebulon market conditions and can guide you through the loan process.
What Does a FHA Loan Specialist in Zebulon Cost?
Typical costs for an FHA loan specialist in North Carolina include an origination fee of 1 percent of the loan amount, which can range from $2,000 to $5,000 for a median-priced home in Zebulon. Additional costs include the FHA upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Closing costs in North Carolina usually 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 are the FHA loan limits for Zebulon North Carolina?
FHA loan limits for Zebulon are based on Wake County limits. As of 2024, the standard FHA loan limit for a single-family home in Wake County is $498,257. Higher limits may apply for multi-unit properties.
What credit score is needed for an FHA loan in North Carolina?
FHA loans in North Carolina generally require 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. Each lender may have additional requirements.
Are there North Carolina specific rules for FHA loans?
North Carolina law requires all FHA loan originators to be licensed through the North Carolina Commissioner of Banks. The state also has specific rules about prepayment penalties and late fees. FHA loans in North Carolina must comply with both federal FHA guidelines and state lending laws.
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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.