Find FHA Loan Specialists in Philadelphia, PA
Directory of fha loan specialists in Philadelphia, Pennsylvania. Verify credentials with the state state mortgage licensing authority before hiring.
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 20 fha loan specialists in Philadelphia, 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.
What Does a FHA Loan Specialist in Philadelphia Cost?
FHA loan specialist fees in Philadelphia typically range from 1 to 2 percent of the loan amount for origination and processing. Appraisal costs average $500 to $700 and credit report fees are about $30 to $50. Mortgage insurance premiums include an upfront MIP of 1.75 percent of the loan amount and annual MIP of 0.55 to 0.85 percent depending on loan term and down payment. Costs vary by lender and borrower situation. 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 are the FHA loan limits for Philadelphia Pennsylvania in 2025?
For 2025 the FHA loan limit for a single family home in Philadelphia County is $498,257. Higher limits apply for multi unit properties up to $958,350 for a four unit home. These limits are set by the Department of Housing and Urban Development HUD.
What minimum credit score do I need for an FHA loan in Philadelphia?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but need a 10 percent down payment. Pennsylvania lenders may have their own overlays so check with multiple specialists.
Are there Pennsylvania specific FHA loan programs for first time buyers?
Yes Pennsylvania offers the PHFA Keystone Home Loan program which works with FHA loans to provide down payment and closing cost assistance. Eligible Philadelphia buyers can receive up to $10,000 in assistance. This program is administered by the Pennsylvania Housing Finance Agency.