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Looking for a fha loan specialist in Happy Valley? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Happy Valley, OR
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 Oregon before hiring.
Showing 3 fha loan specialists in Happy Valley, OR
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Ross Foster, Arrow Home Loans | Powered by MasonMac
14029 SE Mountain Rdg Ct, Happy Valley, OR 97086
5039756623
Maddux Mortgage
9802 SE Nicholas Dr, Happy Valley, OR 97086
8885415462
Scouters Mortgage
9460 SE Jeanne Rd, Happy Valley, OR 97086
9712354196
An FHA loan specialist in Happy Valley, Oregon helps homebuyers navigate FHA-insured mortgages, which are popular due to lower down payment requirements. Oregon law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Happy Valley residents benefit from specialists familiar with Clackamas County property values and local market conditions.
What Does a FHA Loan Specialist in Happy Valley Cost?
Typical costs for FHA loan services in Oregon include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, plus an annual MIP of 0.55% to 0.85% depending on loan terms. Origination fees range from 0.5% to 1% of the loan amount. Appraisal fees in Happy Valley average $500 to $700. Other closing costs may include title insurance, escrow fees, and recording fees. 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 does an FHA loan specialist do in Happy Valley?
An FHA loan specialist guides borrowers through the FHA loan process, including pre-approval, documentation, and closing. They ensure the loan meets Oregon and federal FHA requirements, such as property condition standards and debt-to-income ratios.
What are the FHA loan limits for Happy Valley Oregon?
FHA loan limits in Happy Valley are based on Clackamas County. For 2025, the single-family home limit is typically around $498,257 for low-cost areas but may be higher for high-cost areas. Check the HUD website for current limits.
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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 Oregon.