Find FHA Loan Specialists Near You in Beaumont, TX
Directory of fha loan specialists in Beaumont, Texas. 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 Texas before hiring.
Showing 18 fha loan specialists in Beaumont, 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 Beaumont Texas can guide you through the process of obtaining a government-backed mortgage. These loans are popular in Southeast Texas due to lower down payment requirements and flexible credit guidelines. Texas law requires FHA loan specialists to hold a valid mortgage loan originator license through the Texas Department of Savings and Mortgage Lending.
What Does a FHA Loan Specialist in Beaumont Cost?
Typical costs for an FHA loan specialist in Texas include an origination fee of 1 to 2 percent of the loan amount. Upfront mortgage insurance premium is 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent. Closing costs in Beaumont usually total 3 to 5 percent of the purchase price. 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 Beaumont do?
An FHA loan specialist helps you apply for an FHA insured mortgage. They review your credit, income, and property eligibility. They also ensure the loan meets Texas specific regulations and FHA guidelines.
What credit score do I need for an FHA loan in Texas?
FHA loans in Texas typically require a minimum credit score of 580 for a 3.5 percent down payment. Scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may have additional requirements.
Are there Texas specific rules for FHA loans?
Yes. Texas has unique homestead laws that affect property liens and foreclosure procedures. FHA loans in Texas also require a valid Texas driver license or ID for the borrower. The property must meet FHA minimum property standards.