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Compare fha loan specialists in Richardson. Review contact information and insurance categorys before you decide.
6 agents listed
Updated May 2026
Richardson, 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 6 fha loan specialists in Richardson, 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.
Starlink Mortgage LLC
2011 N Collins Blvd #605, Richardson, TX 75080
6827720377
Mortgage and Beyond
1900 Jay Ell Dr, Richardson, TX 75081
2142962284
Mercantile Mortgage Corporation
1401 N Central Expy # 100B, Richardson, TX 75080
9726619988
NRL Mortgage- Richardson
1301 W President George Bush Hwy Suite 300, Richardson, TX 75080
8554396634
AMSW Lending
1801 N Glenville Dr #100, Richardson, TX 75081
2146731295
Lower Mortgage
1801 N Glenville Dr #100, Richardson, TX 75081
4692356664
An FHA loan specialist in Richardson Texas can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. Texas law requires all loan originators to be licensed through the Texas Department of Savings and Mortgage Lending. These specialists help borrowers with lower credit scores and smaller down payments qualify for home financing in the Dallas-Fort Worth area.
What Does a FHA Loan Specialist in Richardson 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 mortgage insurance premium ranging from 0.45 to 1.05 percent. Closing costs in Richardson usually range from 2 to 5 percent of the purchase price. These costs vary by lender and borrower qualifications. This is general information 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 Richardson Texas?
The standard FHA loan requires a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but need a 10 percent down payment. Texas law does not add extra credit requirements beyond federal FHA guidelines.
How long does it take to close an FHA loan in Richardson Texas?
A typical FHA loan closing in Texas takes 30 to 45 days from application to funding. The timeline can vary based on appraisal scheduling and underreview of borrower documents. Texas law requires a three-day right of rescission after signing loan documents.
What property types are eligible for FHA loans in Richardson Texas?
FHA loans in Richardson can be used for single-family homes, condominiums on the FHA approved list, and manufactured homes that meet HUD standards. The property must be the borrower's primary residence. Texas law does not allow FHA loans for investment or vacation properties.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.