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Directory of fha loan specialists in Clute, Texas. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Clute, 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 5 fha loan specialists in Clute, 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.
Texas Car Title and Payday Loan Services, Inc.
634 Dixie Dr, Clute, TX 77531
9792993086
Texan Credit Corporation
126 Dixie Dr, Clute, TX 77531
9792991043
First State Bank
200 Brazosport Blvd N, Clute, TX 77531
9792652511
Toledo Finance
124 Dixie Dr, Clute, TX 77531
9792650500
Allied Loans
716 W Plantation Dr ste 109, Clute, TX 77531
9792667100
An FHA loan specialist in Clute, Texas can help you navigate the process of obtaining a mortgage insured by the Federal Housing Administration. These loans are popular in Brazoria County for first-time homebuyers and those with lower credit scores. Texas law requires all mortgage loan originators to be licensed through the Texas Department of Savings and Mortgage Lending.
What Does a FHA Loan Specialist in Clute Cost?
Typical costs for an FHA loan in Clute, Texas include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual premium of 0.55 to 0.85 percent. Closing costs usually range from 2 to 5 percent of the purchase price, covering lender fees, title insurance, and appraisal. Texas law limits certain fees on FHA loans, such as the origination fee to 1 percent. 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 credit score do I need for an FHA loan in Clute Texas?
FHA loans typically 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 in Clute may have its own overlays on top of FHA minimums.
Are there specific property requirements for FHA loans in Clute?
Yes, FHA loans require an appraisal by an FHA-approved appraiser to ensure the property meets minimum health and safety standards. In Clute, homes must also pass a termite inspection due to Texas climate conditions. The property must be your primary residence.
How long does it take to close an FHA loan in Clute Texas?
A typical FHA loan closing in Clute takes 30 to 45 days from application to funding. Texas law requires a three-day right of rescission after signing the loan documents. Delays can occur if additional documentation is needed or if the appraisal reveals issues.
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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.