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Find FHA Loan Specialists Near You in South Kingstown, RI
Compare fha loan specialists in South Kingstown. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
South Kingstown, RI
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 Rhode Island before hiring.
Showing 3 fha loan specialists in South Kingstown, RI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
HarborOne Mortgage
361 Main St, South Kingstown, RI 02879
4012636170
Michael Pelosi
26 S County Commons Way Suite A-8, South Kingstown, RI 02879
4017414089
Lance Conte
26 S County Commons Way A8, South Kingstown, RI 02879
8604603303
FHA loan specialists in South Kingstown, Rhode Island help homebuyers secure loans insured by the Federal Housing Administration. Rhode Island law requires all mortgage loan originators to be licensed through the Rhode Island Department of Business Regulation. These specialists guide clients through FHA requirements, including minimum down payments and property condition standards specific to Rhode Island.
What Does a FHA Loan Specialist in South Kingstown Cost?
Typical costs for an FHA loan specialist in Rhode Island include an origination fee of 1 to 2 percent of the loan amount. Upfront mortgage insurance premium is 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and down payment. Closing costs in South Kingstown usually total 3 to 5 percent of the purchase 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 do in South Kingstown?
An FHA loan specialist helps borrowers understand FHA loan requirements, pre-approve for a loan, and submit a complete application. They also explain Rhode Island specific rules like the state's property transfer tax and flood insurance requirements.
What are the basic FHA loan requirements in Rhode Island?
Borrowers need a minimum credit score of 580 for a 3.5 percent down payment. The property must meet FHA safety and livability standards. Rhode Island also requires a home inspection for all FHA loans.
How long does the FHA loan process take in South Kingstown?
The typical FHA loan process takes 30 to 45 days from application to closing. Rhode Island law requires a 45 day minimum notice for any changes to loan terms. Delays can occur if the property needs repairs to meet FHA 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 Rhode Island.