Find FHA Loan Specialists in Temple, TX
Looking for a fha loan specialist in Temple? Review the directory below to compare your options.
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 12 fha loan specialists in Temple, TX
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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.