Compare FHA Loan Specialists in Stafford, TX
Directory of fha loan specialists in Stafford, Texas. Verify credentials with the state state mortgage licensing authority before hiring.
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
State Mortgage Licensing Authority of Texas before hiring.
Showing 8 fha loan specialists in Stafford, TX
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An FHA loan specialist in Stafford Texas helps homebuyers navigate government-backed mortgages with lower down payments. Stafford is part of the Houston metropolitan area where FHA loan limits for 2025 are set at $498,257 for a single-family home. Specialists can guide you through Texas-specific requirements such as the Texas Home Equity Law which limits cash-out refinances to 80% of the home value.
What Does a FHA Loan Specialist in Stafford Cost?
Typical costs for an FHA loan specialist in Texas include an upfront mortgage insurance premium UFMIP of 1.75 percent of the loan amount and an annual mortgage insurance premium MIP ranging from 0.45 to 1.05 percent depending on loan term and down payment. Lender origination fees often range from 0.5 to 1.0 percent of the loan amount. Appraisal fees in the Houston area average $500 to $700. These costs vary by lender and borrower situation. 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 does an FHA loan specialist in Stafford do?
An FHA loan specialist helps you understand FHA loan requirements, gather documents, and submit your application. They work with lenders to ensure the property meets FHA minimum property standards and that you qualify under Texas and federal guidelines.
What are the FHA loan limits for Stafford Texas in 2025?
For 2025 the FHA loan limit for a single-family home in Fort Bend County including Stafford is $498,257. Higher limits apply for duplexes triplexes and four-unit properties. These limits are set by the Department of Housing and Urban Development HUD.
Do I need a specific credit score for an FHA loan in Texas?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. With a score between 500 and 579 you may still qualify but you will need a 10 percent down payment. Each lender may have its own additional requirements.