Find FHA Loan Specialists Near You in Joshua, TX
Browse fha loan specialists serving Joshua, Texas. Contact information and addresses listed below.
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 3 fha loan specialists in Joshua, TX
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An FHA loan specialist in Joshua, Texas can help homebuyers navigate FHA-insured mortgages, which are popular for their low down payment requirements. In Texas, FHA loans must comply with state-specific regulations, including the Texas Constitution provisions on home equity lending. Local specialists understand the Joshua real estate market and can guide you through the loan process from pre-approval to closing.
What Does a FHA Loan Specialist in Joshua Cost?
Typical costs for an FHA loan specialist in Texas include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual mortgage insurance premium of 0.55 to 0.85 percent. Closing costs generally range from 2 to 5 percent of the loan amount, which can include appraisal fees, title insurance, and origination fees. In Joshua, these costs may vary based on the lender and property value. 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 Joshua Texas?
FHA loans require a minimum credit score of 580 for a 3.5 percent down payment, or 500 with a 10 percent down payment. The property must meet FHA appraisal standards, and the borrower must have a valid Social Security number and steady employment history. Texas law also requires a homestead affidavit for primary residences.
How do I find an FHA loan specialist in Joshua?
You can search for FHA-approved lenders in Joshua, Texas through the U.S. Department of Housing and Urban Development website or by contacting local mortgage brokers. Many specialists serve Johnson County and can meet with you in person or virtually. Always verify the lender is FHA-approved before proceeding.
What is the FHA loan limit for Joshua Texas?
For 2025, the FHA loan limit for a single-family home in Johnson County, Texas is $498,257. This limit applies to most areas and is adjusted annually based on median home prices. Higher limits may apply for duplexes, triplexes, or fourplex properties.