ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Browse fha loan specialists serving Seneca, South Carolina. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Seneca, 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 3 fha loan specialists in Seneca, 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.
New Story Lending, LLC
8 Accountants Cir, Seneca, SC 29678
8664977005
Allen White | SouthState Mortgage
201 ByPass 123, Seneca, SC 29678
8649855235
Kathryn Holbrooks:The Mortgage Gurus
10 Accountants Cir, Seneca, SC 29678
8648445008
An FHA loan specialist in Seneca, South Carolina can help you navigate the federal FHA loan program, which is popular for first-time homebuyers and those with lower credit scores. South Carolina law requires all mortgage loan originators to be licensed through the NMLS, and specialists in Seneca are familiar with local property values in Oconee County. They guide borrowers through FHA requirements, including the 3.5% down payment and MIP insurance.
What Does a FHA Loan Specialist in Seneca Cost?
Typical costs for an FHA loan specialist in South Carolina include an origination fee of 1% to 1.5% of the loan amount, plus third-party fees for appraisal, credit report, and title search. For a $200,000 loan, total closing costs often range from $4,000 to $8,000. The FHA also charges an upfront mortgage insurance premium of 1.75% of the loan amount, which can be rolled into the loan. 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 Seneca South Carolina?
For 2025, the FHA loan limit for a single-family home in Oconee County, including Seneca, is $498,257. This limit applies to most areas and is set by the Department of Housing and Urban Development.
What credit score is needed for an FHA loan in South Carolina?
The minimum credit score for an FHA loan is 580 with a 3.5% down payment. Borrowers with a score between 500 and 579 may still qualify but must put down 10%. South Carolina lenders may have overlays requiring higher scores.
Do FHA loans require a home inspection in Seneca?
Yes, FHA loans require a property appraisal and a minimum property standards inspection by an FHA-approved appraiser. This is not a full home inspection, but it checks for safety, security, and soundness issues. Buyers are encouraged to also get a separate home inspection.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Seneca who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.