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Looking for a fha loan specialist in Port Royal? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Port Royal, SC
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 South Carolina before hiring.
Showing 2 fha loan specialists in Port Royal, SC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Joey Jones Mortgage Team
1001 Paris Ave, Port Royal, SC 29935
8437075357
BEAUFORT LENDING
1857 Ribaut Rd, Port Royal, SC 29935
8435242404
An FHA loan specialist in Port Royal South Carolina can help you navigate the process of obtaining a government-backed mortgage. These loans are popular for first-time homebuyers and those with lower credit scores. South Carolina law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System.
What Does a FHA Loan Specialist in Port Royal Cost?
Typical costs for an FHA loan specialist in South Carolina include an origination fee of 1 to 2 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent of the base loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent. Closing costs usually total 3 to 5 percent of the purchase price. These are general estimates and costs vary by situation. This information is for general purposes and is 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 Port Royal South Carolina?
FHA loan limits vary by county. For Beaufort County which includes Port Royal the 2024 limit for a single-family home is $498,257. A specialist can confirm the exact amount for your situation.
Do I need a specific down payment for an FHA loan in South Carolina?
FHA loans require a minimum down payment of 3.5 percent if your credit score is 580 or higher. If your score is between 500 and 579 you may need a 10 percent down payment. South Carolina does not have a state-specific down payment rule beyond federal FHA guidelines.
What documents do I need to apply for an FHA loan in Port Royal?
You typically need two years of tax returns recent pay stubs bank statements and a valid ID. The specialist will also check your credit report and employment history. South Carolina law requires a property appraisal by a licensed appraiser.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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 South Carolina.