ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of fha loan specialists in Richmond, Texas. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Richmond, 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 Richmond, 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.
Element Home Loans w/ Rick Carrier
24200 Via Mazzini Way Suite 301, Richmond, TX 77406
2817676700
Sundeep Chugh, Home Loan Officer, Residential Mortgages
11023 Glenrothers Dr, Richmond, TX 77407
2817777270
Primary Residential Mortgage, Inc.
800 Main St, Richmond, TX 77469
2147369466
Community Real Estate Finance
1711 Chapelwood Ln, Richmond, TX 77406
2817219703
David Randolph | Branch Manager | Primary Residential Mortgage, Inc.
800 Main St, Richmond, TX 77469
2812482100
DHI Mortgage
6750 Horton Vista Dr Suite 125, Richmond, TX 77407
2815662110
An FHA loan specialist in Richmond, Texas can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. These loans are popular with first-time homebuyers and those with lower credit scores. Texas law requires specific disclosures and a 12-day right of rescission for home equity loans, which an FHA specialist can explain.
What Does a FHA Loan Specialist in Richmond Cost?
Typical costs for an FHA loan specialist in Texas include an origination fee of up to 1 percent of the loan amount and third-party fees for appraisal, credit report, and title services. Appraisal fees in Richmond range from $500 to $700. Closing costs generally total 2 to 5 percent of the purchase price. 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 Richmond Texas?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. If your score is between 500 and 579, you may still qualify but need a 10 percent down payment. Each lender in Texas may have slightly higher requirements.
What are the FHA loan limits for Fort Bend County Texas?
For 2024, the FHA loan limit for a single-family home in Fort Bend County is $498,257. This limit applies to Richmond and most of the Houston area. Higher limits exist for multi-unit properties.
Do FHA loans require mortgage insurance in Texas?
Yes, all FHA loans require both an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual MIP. The annual MIP rate varies from 0.15 percent to 0.75 percent depending on your loan term and down payment. This insurance protects the lender if you default.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Richmond who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.