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Find FHA Loan Specialists Near You in Phoenixville, PA
Directory of fha loan specialists in Phoenixville, Pennsylvania. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
Phoenixville, 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 4 fha loan specialists in Phoenixville, 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.
Philly Mortgage Brokers
1243 Valley Forge Rd, Phoenixville, PA 19460
4844164280
Ryan Richardson - The MortgageFella
508 Bridge St, Phoenixville, PA 19460
6104169025
Utopia Financial LLC
375 Morgan St Suite U, Phoenixville, PA 19460
4844435000
Jeffrey Richardson
202 Bridge St, Phoenixville, PA 19460
8773141499
An FHA loan specialist in Phoenixville Pennsylvania helps borrowers secure mortgages insured by the Federal Housing Administration. These loans often require a lower down payment and more flexible credit standards than conventional loans. 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 Phoenixville Cost?
Typical costs for an FHA loan specialist in Pennsylvania include an origination fee of 1 to 2 percent of the loan amount and a mortgage insurance premium of 1.75 percent of the base loan amount paid upfront. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Additional costs may include appraisal fees around $500 to $700 and title insurance fees. Costs vary by situation and lender. 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 Phoenixville do?
An FHA loan specialist guides you through the FHA loan application process, from pre-approval to closing. They help you understand FHA requirements such as the 3.5 percent minimum down payment and the upfront mortgage insurance premium. They also ensure your loan meets Pennsylvania specific property and income guidelines.
What are the FHA loan limits for Phoenixville Pennsylvania?
FHA loan limits for Phoenixville follow Chester County limits set by the Department of Housing and Urban Development. For 2025 the single family home limit is typically around $498,257 for a low cost area but may be higher for high cost areas. A local specialist can confirm the exact limit for your property.
Do I need a special license to be an FHA loan specialist in Pennsylvania?
Yes, all mortgage loan originators in Pennsylvania must hold a valid license from the Pennsylvania Department of Banking and Securities. They must also pass the SAFE Mortgage Loan Originator Test and complete annual continuing education. This ensures they meet state and federal standards.
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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.