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Showing 2 fha loan specialists in Plains, 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.
Benchmark Mortgage - McCabe Mortgage Group
672 S River St #215, Plains, PA 18705
5707144200
Benchmark Mortgage - Lisa Perta
672 S River St #310, Plains, PA 18705
5707144200
What Does a FHA Loan Specialist in Plains Cost?
Typical costs for an FHA loan in Pennsylvania include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent. Closing costs in Luzerne County usually range from 3 to 6 percent of the purchase price. These costs can vary based on the lender and your specific financial situation. 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 are the FHA loan limits for Plains Pennsylvania?
For 2025, the FHA loan limit for Luzerne County is $498,257 for a single family home. This limit applies to most areas in Plains and is set by the Department of Housing and Urban Development. Your specialist can confirm the exact limit for your specific property type.
What credit score is needed for an FHA loan in Pennsylvania?
The minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. If your credit score is between 500 and 579, you may still qualify with a 10 percent down payment. Pennsylvania lenders may have their own overlays, so check with your specialist.
Are there Pennsylvania specific requirements for FHA loans?
Pennsylvania requires a property inspection for FHA loans that meets state building codes. The home must also pass an FHA appraisal which checks for health and safety hazards. Pennsylvania law does not impose additional state specific fees beyond standard FHA requirements.