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Directory of fha loan specialists in Temple, Texas. Verify credentials with the state mortgage licensing authority before hiring.
12 agents listed
Updated May 2026
Temple, 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 12 fha loan specialists in Temple, 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.
Jamie Cooley - Fairway Home Mortgage
3923 S General Bruce Dr, Temple, TX 76502
2545229363
Western Finance
8 E Central Ave, Temple, TX 76501
2547713255
Fairway Independent Mortgage Temple
3923 S General Bruce Dr, Temple, TX 76502
2542310597
Texell Home Loans
7083 Members Pkwy #317, Temple, TX 76502
2547745104
Danielle M Garcia | Fairway Independent Mortgage Corporation Loan Officer
3923 S General Bruce Dr, Temple, TX 76502
2546816000
Paul McCray | Fairway Independent Mortgage Corporation Loan Officer
3923 S General Bruce Dr, Temple, TX 76502
2547187970
Cherie Walters
354 Green Hollow Dr, Temple, TX 76502
2547776244
Extraco Mortgage | Temple: Canyon Creek
903 Canyon Creek Dr, Temple, TX 76502
2547745500
Brad S Dragoo | Fairway Independent Mortgage Corporation SVP Area Manager
3923 S General Bruce Dr, Temple, TX 76502
2549330036
Donna Sue Lawless | Fairway Independent Mortgage Corporation Loan Officer
An FHA loan specialist in Temple Texas can help you navigate the Federal Housing Administration loan process. These loans are popular in Central Texas due to lower down payment requirements and flexible credit guidelines. Texas law requires all mortgage loan originators to be licensed through the Texas Department of Savings and Mortgage Lending.
What Does a FHA Loan Specialist in Temple Cost?
Typical costs for an FHA loan in Texas include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.85 percent. Closing costs in Temple range from 2 to 5 percent of the purchase price. Appraisal fees are usually $400 to $700. These costs vary by lender and loan amount. 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 Temple Texas in 2025?
For 2025 the FHA loan limit for a single-family home in Bell County is $498,257. This amount may change annually based on median home prices in the area.
Do I need a specific down payment for an FHA loan in Texas?
FHA loans require a minimum down payment of 3.5 percent if your credit score is 580 or higher. If your score is between 500 and 579 you may need a 10 percent down payment.
Are there Texas-specific requirements for FHA loans?
Yes Texas has unique property tax and homestead laws that affect FHA loans. You must also pay Texas mortgage insurance premiums which are typically 1.75 percent upfront and 0.85 percent annually.
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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.