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Compare FHA Loan Specialists in Ephrata, PA

Browse fha loan specialists serving Ephrata, Pennsylvania. Contact information and addresses listed below.

6 agents listed
Updated June 2026
Ephrata, PA
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 State Mortgage Licensing Authority of Pennsylvania before hiring.
Showing 6 fha loan specialists in Ephrata, PA Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mark Newcomb with HomeSale Mortgage
5 Old Mill Rd, Ephrata, PA 17522
(610) 698-2140 homesalemortgage.com
Ephrata National Bank
31 E Main St, Ephrata, PA 17522
(717) 733-4181 epnb.com
Pathway Financial Group
860 N Reading Rd, Ephrata, PA 17522
(717) 690-1335 pathwayfinancial.biz
Truist
399 N Reading Rd, Ephrata, PA 17522
(717) 733-0391 truist.com
Mortgage Loans-USA
4 Hoover Dr, Ephrata, PA 17522
(717) 466-6278
PNC Mortgage
280 N Reading Rd, Ephrata, PA 17522
(717) 733-7937 pnc.com

An FHA loan specialist in Ephrata Pennsylvania helps homebuyers navigate Federal Housing Administration loans which are popular for first time buyers. Pennsylvania law requires all mortgage loan originators to be licensed through the Pennsylvania Department of Banking and Securities. Local specialists understand Ephrata market conditions and can guide you through the FHA appraisal and underwriting process.

What Does a FHA Loan Specialist in Ephrata Cost?

Typical costs for an FHA loan specialist in Pennsylvania include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Closing costs in Ephrata average 3 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 does an FHA loan specialist in Ephrata do?
An FHA loan specialist helps you apply for an FHA insured mortgage. They review your credit score income and debt to determine eligibility. They also explain Pennsylvania specific requirements like property condition standards for FHA appraisals.
What are the FHA loan limits for Ephrata Pennsylvania?
For 2025 the FHA loan limit for a single family home in Lancaster County which includes Ephrata is $524,225. Higher limits apply for duplexes triplexes and four unit properties. These limits are set by the Department of Housing and Urban Development and may change annually.
How long does an FHA loan process take in Pennsylvania?
The typical FHA loan process in Pennsylvania takes 30 to 45 days from application to closing. This includes appraisal underwriting and final approval. Delays can occur if the property needs repairs to meet FHA minimum property standards.

FHA Loan Specialists in Other Pennsylvania Cities

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Legal Notice BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal 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 state mortgage licensing authority association before hiring.

About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of Pennsylvania.

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