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Find FHA Loan Specialists Near You in Needville, TX
Browse fha loan specialists serving Needville, Texas. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Needville, 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 2 fha loan specialists in Needville, TX
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FHA loan specialists in Needville, Texas help homebuyers secure government-backed loans with lower down payments and flexible credit requirements. Texas law requires FHA loans to meet specific property standards and appraisal rules set by the Texas Department of Savings and Mortgage Lending. Local specialists understand the rural and suburban housing market in Fort Bend County, including unique considerations for agricultural properties.
What Does a FHA Loan Specialist in Needville Cost?
Typical costs for an FHA loan in 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 in Needville generally range from 2 to 5 percent of the purchase price, including appraisal fees of $400 to $700 and title insurance required by Texas law. These costs can vary based on the lender, loan amount, and property type. 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 is an FHA loan and how does it work in Needville Texas?
An FHA loan is a mortgage insured by the Federal Housing Administration, allowing down payments as low as 3.5 percent for qualified buyers. In Texas, these loans must comply with state-specific property condition requirements, including a valid appraisal by a Texas-licensed appraiser. Borrowers in Needville can use FHA loans for single-family homes, townhouses, and certain manufactured homes.
What are the credit score requirements for an FHA loan in Texas?
FHA loans typically require a minimum credit score of 580 for 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 minimums beyond federal FHA guidelines.
Are there Texas-specific limits on FHA loan amounts in Needville?
Yes, FHA loan limits vary by county. For Fort Bend County in 2024, the FHA loan limit for a single-family home is $498,257. These limits are set by the Department of Housing and Urban Development and are adjusted annually based on median home prices.
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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.