Find FHA Loan Specialists Near You in Alton, TX
Browse fha loan specialists serving Alton, Texas. Contact information and addresses listed below.
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 Texas before hiring.
Showing 2 fha loan specialists in Alton, TX
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What Does a FHA Loan Specialist in Alton Cost?
Typical costs for an FHA loan in Texas include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 percent to 0.85 percent. Closing costs in Alton range from 2 to 5 percent of the purchase price, including appraisal fees of $400 to $700 and title insurance fees of $1,500 to $3,000. Lender origination fees vary from 0 to 1 percent of the loan amount. 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 Alton, Texas?
For 2025, the FHA loan limit for a single-family home in Hidalgo County, which includes Alton, is $498,257. This limit applies to standard FHA loans and may be higher for duplexes or triplexes. Limits are set annually by the Department of Housing and Urban Development.
What credit score is needed for an FHA loan in Texas?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Texas lenders may have overlays requiring higher scores, so it is important to check with a specialist.
Are there Texas-specific requirements for FHA loans?
Yes, Texas law requires all FHA loan borrowers to receive a copy of the Texas Home Equity Disclosure and a signed acknowledgment of the state's homestead protections. Additionally, FHA loans in Texas must comply with the Texas Property Code regarding foreclosure timelines and borrower rights.