Compare FHA Loan Specialists in Port Arthur, TX
Compare fha loan specialists in Port Arthur. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Texas before hiring.
Showing 10 fha loan specialists in Port Arthur, TX
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FHA loan specialists in Port Arthur Texas help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. These loans are popular in Southeast Texas due to the area's affordable housing market and flood insurance considerations. Specialists guide clients through Texas-specific rules such as the Texas Home Equity Law and local property appraisal requirements.
What Does a FHA Loan Specialist in Port Arthur Cost?
Typical costs for an FHA loan in Texas include an upfront mortgage insurance premium of 1.75% of the loan amount and an annual premium of 0.55% to 0.85% depending on loan term and amount. Closing costs in Port Arthur generally range from 2% to 5% of the purchase price and include appraisal fees title insurance and recording fees. Costs vary by lender loan size and property location. 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 limits for Port Arthur Texas in 2025?
For 2025 the FHA loan limit for a single-family home in Jefferson County is $498,257. This amount applies to most areas in Port Arthur and may be higher for multi-unit properties.
Do FHA loans in Texas require flood insurance?
Yes if the property is in a Special Flood Hazard Area as determined by FEMA. Port Arthur is in a high-risk flood zone so flood insurance is often required for FHA loans. This is a Texas-specific requirement due to coastal geography.
What is the minimum down payment for an FHA loan in Texas?
The minimum down payment is 3.5% of the purchase price for borrowers with a credit score of 580 or higher. For scores between 500 and 579 a 10% down payment is required. Texas law does not change these federal FHA rules.