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Browse fha loan specialists serving Westerly, Rhode Island. Contact information and addresses listed below.
4 agents listed
Updated May 2026
Westerly, 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 4 fha loan specialists in Westerly, 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.
Deana Bobbin at Guaranteed Rate Affinity
56 Wells St, Westerly, RI 02891
4013784467
Jill Kass at Prosperity Home Mortgage - Shelton
224 Post Rd, Westerly, RI 02891
4016374800
Washington Trust
126 Franklin St, Westerly, RI 02891
4013481367
Chase Home Lending
143 Franklin St, Westerly, RI 02891
6197870369
An FHA loan specialist in Westerly Rhode Island helps homebuyers access government-backed mortgages with lower down payments. Rhode Island offers additional assistance through programs like the Rhode Island Housing FHA loan option for first-time buyers. These specialists guide clients through the specific underwriting rules and property requirements that apply in Washington County.
What Does a FHA Loan Specialist in Westerly Cost?
Typical costs for FHA loan specialist services in Rhode Island include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.55 percent to 0.85 percent of the loan balance. Closing costs in Westerly usually total between 3 and 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 are the FHA loan limits for Westerly Rhode Island in 2025?
For 2025 the FHA loan limit for a single-family home in Washington County Rhode Island is $498,257. This limit applies to most areas in the state and is set by the Federal Housing Administration based on local median home prices.
Do I need a special license to be an FHA loan specialist in Rhode Island?
FHA loan specialists in Rhode Island must hold a valid mortgage loan originator license from the Rhode Island Department of Business Regulation. They also need to complete annual continuing education on federal and state lending laws.
What is the minimum down payment for an FHA loan in Rhode Island?
The minimum down payment for an FHA loan in Rhode Island is 3.5 percent of the purchase price if your credit score is 580 or higher. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment.
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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.