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Browse fha loan specialists serving Celina, Texas. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Celina, 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 3 fha loan specialists in Celina, 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.
Michael Greco - Greco Mortgage
601 S Ohio Dr Suite 104, Celina, TX 75009
9727872707
Randy Teakell, Mortgage Broker sponsored by Omni-Fund
890 Mellanie Ct, Celina, TX 75009
9729899903
Roxanne Padgett-First State Bank Mortgage
433 S Preston Rd, Celina, TX 75009
9729772350
An FHA loan specialist in Celina Texas helps homebuyers navigate FHA insured mortgages which require a lower down payment and credit score than conventional loans. In Texas FHA loans are subject to state specific property tax proration rules and the Texas Homestead Act which limits annual appraisal increases. A local specialist understands Celina growing market and can guide you through the FHA appraisal and underwriting process.
What Does a FHA Loan Specialist in Celina Cost?
FHA loan costs in Texas typically include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent depending on loan term and down payment. Closing costs in Celina range from 2 to 5 percent of the purchase price and include lender fees title insurance and recording fees. Costs vary by lender and 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 requirements in Celina Texas?
FHA loans require a minimum 3.5 percent down payment and a credit score of at least 580. The property must meet FHA safety and livability standards and the borrower must have a valid Social Security number and steady employment history. Texas law also requires a homestead affidavit for owner occupied properties.
How long does the FHA loan process take in Texas?
The typical FHA loan process in Texas takes 30 to 45 days from application to closing. This includes property appraisal underwriting and document review. Texas law mandates a three day right of rescission for refinances but not for purchase loans.
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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.