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Compare fha loan specialists in Odessa. Review contact information and insurance categorys before you decide.
17 agents listed
Updated May 2026
Odessa, 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 17 fha loan specialists in Odessa, 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.
1541 John Ben Shepperd Pkwy Suite 16, Odessa, TX 79761
4329677458
Tony Aquinto-Cardinal Financial Company, Limited Partnership
4555 E University Blvd Suite D 7, Odessa, TX 79762
4322175648
John Stafford - GoRascal Mortgage
1410 E 8th St Suite B, Odessa, TX 79762
4322454525
Chad Sandell, 2035194, PrimeLending
1541 John Ben Shepperd Pkwy Suite 16, Odessa, TX 79761
4328809056
Gina Reyes - Mortgage Broker
2400 N Grandview Ave, Odessa, TX 79761
4327411269
AN Homes
200 W Clements St, Odessa, TX 79761
4323332524
Alleson Edwards at Certainty Home Lending (NMLS #1637389)
4301-B Mission Blvd, Odessa, TX 79765
4322039529
Nisi Herrera - Cardinal Financial Company, Limited Partnership
4555 E University Blvd Suite D 7, Odessa, TX 79762
4322080377
Certainty Home Lending
4301-B Mission Blvd, Odessa, TX 79765
4322039522
Brenda Gutierrez, NMLS 1755549, PrimeLending
1541 S Jbs Pkwy, Odessa, TX 79761
4322484311
Cardinal Financial Company, Limited Partnership
4555 E University Blvd Ste D7, Odessa, TX 79762
4322175648
FHA loan specialists in Odessa Texas help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. Odessa residents benefit from FHA loans that require a 3.5 percent down payment and allow seller concessions up to 6 percent of the purchase price. Texas law imposes specific homestead protections and property tax rules that affect FHA loan eligibility and closing costs in the Odessa area.
What Does a FHA Loan Specialist in Odessa Cost?
Typical costs for FHA loan services in Odessa Texas include an origination fee of 1 to 2 percent of the loan amount, appraisal fees of $500 to $700, and title insurance costs of $1,500 to $2,500. Closing costs generally range from 3 to 5 percent of the purchase price. Mortgage insurance premiums add 0.55 to 0.85 percent of the loan amount annually. This information is general 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 are the minimum credit score requirements for an FHA loan in Odessa 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.
How do Texas property taxes affect FHA loan costs in Odessa?
Texas has no state income tax but has relatively high property tax rates. In Odessa, property taxes typically range from 2.0 to 2.5 percent of the assessed value. FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus annual mortgage insurance premiums that vary based on loan term and down payment.
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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.