Find FHA Loan Specialists in Lubbock, TX
Directory of fha loan specialists in Lubbock, 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 19 fha loan specialists in Lubbock, 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 Lubbock Texas helps borrowers navigate FHA insured mortgages which are popular for first time homebuyers. These specialists understand Texas specific rules such as the state's homestead exemption and property tax proration requirements. They guide clients through FHA credit score minimums and mortgage insurance premiums required by the Federal Housing Administration.
What Does a FHA Loan Specialist in Lubbock Cost?
Typical costs for an FHA loan specialist in Texas include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 to 0.85 percent of the loan balance. Closing costs in Lubbock range from 2 to 5 percent of the purchase price and include appraisal fees of $400 to $700 and title insurance fees of $1,500 to $2,500. These costs vary by lender property and borrower qualifications. 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 credit score is needed for an FHA loan in Lubbock Texas?
The standard minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Texas law does not impose additional credit score requirements beyond federal FHA guidelines.
Are there Texas specific FHA loan limits for Lubbock?
Yes FHA loan limits vary by county. For Lubbock County in 2025 the floor limit for a single family home is typically around $498,257. High cost area adjustments may apply but Lubbock generally follows the standard floor limit set by HUD.
How long does an FHA loan closing take in Texas?
A typical FHA loan closing in Texas takes 30 to 45 days from application to funding. Texas law requires a 3 day right of rescission period after signing loan documents. Delays can occur if the property needs repairs required by an FHA appraisal.