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Looking for a fha loan specialist in Lincoln City? Review the directory below to compare your options.
9 agents listed
Updated May 2026
Lincoln City, 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 9 fha loan specialists in Lincoln City, 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.
Coldwell Banker Professional Group
1815 NW U.S. 101, Lincoln City, OR 97367
5419947760
Landmark Professional Mortgage Company - Lincoln City, Oregon
2730 NE Hwy 101, Lincoln City, OR 97367
5414185454
Evergreen Home Loans Lincoln City NMLS 1484725
2219 NW U.S. 101, Lincoln City, OR 97367
5414185010
Jamie Tillotson - Evergreen Home Loans
2219 NW U.S. 101, Lincoln City, OR 97367
5414185012
Churchill Mortgage - Lincoln City
2840 NE Hwy 101, Lincoln City, OR 97367
5419914263
Kamile Melton - Churchill Mortgage, NMLS 1700255
2840 NE Hwy 101, Lincoln City, OR 97367
5419914263
Ocean's Edge - Duane J. Silbernagel
2137 NW U.S. 101 suite a, Lincoln City, OR 97367
5416141322
Wells Fargo Home Mortgage
2300 US-101, Lincoln City, OR 97367
5419948163
Larry Morris Directors Mortgage Lincoln City
2137 -B NW U.S. 101, Lincoln City, OR 97367
5419946003
An FHA loan specialist in Lincoln City Oregon helps homebuyers navigate government-backed mortgages with lower down payments and flexible credit requirements. Lincoln City is part of Lincoln County where median home prices often qualify for FHA loan limits. Oregon law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Lincoln City Cost?
Typical costs for an FHA loan in Oregon include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual MIP of 0.55% to 0.85% depending on loan term and down payment. Closing costs in Lincoln City generally range from 2% to 5% of the purchase price including appraisal fees title insurance and lender origination fees. Oregon does not impose a state transfer tax but county recording fees apply. 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 does an FHA loan specialist in Lincoln City do?
An FHA loan specialist guides borrowers through the FHA loan process including pre-approval documentation and closing. They help determine if a property meets FHA minimum property standards and calculate mortgage insurance premiums required by the Federal Housing Administration.
What are the FHA loan limits for Lincoln City Oregon?
For 2024 the FHA loan limit for a single-family home in Lincoln County Oregon is $498,257. This limit applies to most areas in the county but can be higher for multi-unit properties. A local specialist can confirm current limits for your specific property.
How long does the FHA loan process take in Oregon?
The typical FHA loan process in Oregon takes 30 to 45 days from application to closing. Oregon law requires a 7-day rescission period after signing loan documents for refinances. Delays can occur if the property needs repairs to meet FHA standards.
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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.