Compare FHA Loan Specialists in Johnson City, TN
Directory of fha loan specialists in Johnson City, Tennessee. Verify credentials with the state state mortgage licensing authority before hiring.
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
State Mortgage Licensing Authority of Tennessee before hiring.
Showing 20 fha loan specialists in Johnson City, TN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
What Does a FHA Loan Specialist in Johnson City Cost?
Typical costs for an FHA loan specialist in Tennessee include an origination fee of 1% of the loan amount, which can range from $2,000 to $5,000 on a $200,000 to $500,000 loan. You may also pay an upfront mortgage insurance premium (UFMIP) of 1.75% of the base loan amount and an annual MIP of 0.55% to 0.85%. Costs vary by 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 does an FHA loan specialist in Johnson City do?
An FHA loan specialist helps you understand FHA loan requirements, pre-qualify for a loan, and submit your application. They work with local lenders and ensure your loan meets the Federal Housing Administration standards specific to Tennessee properties.
What are the FHA loan limits for Johnson City Tennessee?
For 2024, the FHA loan limit for a single-family home in Washington County Tennessee is $498,257 for high-cost areas. This limit applies to most of Johnson City. A specialist can confirm the exact limit for your specific property.
Do I need a special license to be an FHA loan specialist in Tennessee?
Yes. All mortgage loan originators in Tennessee must hold a valid state license through the NMLS. They must also complete continuing education courses each year to stay compliant with Tennessee Department of Financial Institutions rules.