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Directory of fha loan specialists in Bastrop, Texas. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Bastrop, TX
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 Texas before hiring.
Showing 2 fha loan specialists in Bastrop, TX
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
An FHA loan specialist in Bastrop, Texas can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. These loans often have lower down payment requirements and flexible credit guidelines, which can be helpful for first-time homebuyers. In Texas, FHA loans must comply with state-specific property lien laws and homestead protections under the Texas Property Code.
What Does a FHA Loan Specialist in Bastrop Cost?
Typical costs for an FHA loan specialist in Texas include an origination fee of 1 to 2 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Appraisal fees in Bastrop usually run 400 to 700 dollars. Closing costs generally total 2 to 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 credit score do I need for an FHA loan in Bastrop?
Most FHA lenders require a minimum credit score of 580 for a 3.5 percent down payment. If your score is between 500 and 579, you may still qualify with a 10 percent down payment. Each lender may have its own overlays beyond FHA minimums.
Are there Texas-specific rules for FHA loans?
Yes. Texas has strict homestead laws that limit the amount of equity you can borrow against your home. FHA loans in Texas also require a valid Texas driver license or ID and proof of lawful residency. The Texas Department of Savings and Mortgage Lending oversees mortgage lenders in the state.
How long does an FHA loan process take in Bastrop?
The typical FHA loan process takes 30 to 45 days from application to closing. This includes appraisal, underwriting, and document verification. Delays can occur if additional documentation is needed or if the property requires repairs to meet FHA standards.
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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 Texas.