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Directory of fha loan specialists in Kutztown, Pennsylvania. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Kutztown, 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 Pennsylvania before hiring.
Showing 2 fha loan specialists in Kutztown, 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.
Truist
110 W Main St, Kutztown, PA 19530
6106830101
Ken Levengood Mortgages
REMOTE LOCATION, 305 W Main St, Kutztown, PA 19530
4846194780
An FHA loan specialist in Kutztown, Pennsylvania helps homebuyers navigate Federal Housing Administration insured loans. These loans are popular in the Kutztown area due to lower down payment requirements and flexible credit guidelines. Pennsylvania law requires all mortgage loan originators to be licensed through the Pennsylvania Department of Banking and Securities, ensuring professional standards for local specialists.
What Does a FHA Loan Specialist in Kutztown Cost?
Typical costs for an FHA loan specialist in Pennsylvania include an origination fee of 1 to 2 percent of the loan amount, plus 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 Kutztown average 2 to 5 percent of the home price. 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 Kutztown do?
An FHA loan specialist guides borrowers through the FHA loan process, from pre-approval to closing. They help determine eligibility, prepare documentation, and ensure compliance with FHA guidelines. In Pennsylvania, specialists must follow state licensing rules and provide a Loan Estimate within three business days of application.
What are the FHA loan limits for Kutztown Pennsylvania?
For 2024, the FHA loan limit for a single-family home in Berks County, including Kutztown, is $498,257. This limit applies to standard FHA loans. Higher limits may apply for multi-unit properties or in high-cost areas.
How do I qualify for an FHA loan in Kutztown?
You need a minimum credit score of 580 for a 3.5 percent down payment, or 500 for 10 percent down. You must also have a debt-to-income ratio below 43 percent and a steady employment history. Pennsylvania requires all borrowers to attend a homeownership counseling session if using an FHA loan for the first time.
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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 Pennsylvania.