Find FHA Loan Specialists Near You in Garland, TX
Directory of fha loan specialists in Garland, 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 9 fha loan specialists in Garland, 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.
FHA loan specialists in Garland Texas help borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. Texas law requires all FHA loan originators to hold a valid state license and follow specific disclosure rules. Working with a local specialist ensures you understand both federal FHA guidelines and Texas-specific property regulations.
What Does a FHA Loan Specialist in Garland Cost?
Typical costs for FHA loan specialist services in Texas include an origination fee of 1 percent of the loan amount and a mortgage insurance premium (MIP) of 1.75 percent upfront plus 0.55 percent annually. Appraisal fees range from $500 to $700 and credit report fees are about $30 to $50. Costs vary by lender and loan size. 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 do in Garland Texas?
An FHA loan specialist guides you through the application process for a Federal Housing Administration insured loan. They help you determine eligibility based on Texas income limits and property location. They also assist with required documentation and connect you with approved lenders.
What are the FHA loan limits for Garland Texas in 2025?
For 2025 the FHA loan limit for a single-family home in Dallas County which includes Garland is up to $498,257. Higher limits apply for multi-unit properties. These limits are set by HUD and may change annually.
Do I need a special license to be an FHA loan specialist in Texas?
Yes Texas requires all mortgage loan originators including FHA specialists to be licensed through the Nationwide Multistate Licensing System (NMLS). They must also complete continuing education courses each year. You can verify a specialist license on the NMLS website.