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Showing 2 fha loan specialists in Texas City, TX
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What Does a FHA Loan Specialist in Texas City 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 premium of 0.55 to 0.85 percent. Lender origination fees range from 0.5 to 1.5 percent of the loan. Closing costs in Texas City average 2 to 5 percent of the purchase price. 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 credit score do I need for an FHA loan in Texas City?
Most FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may set additional requirements.
Are there Texas specific limits for FHA loans in Texas City?
Yes, FHA loan limits vary by county. For Texas City in Galveston County, the 2025 single family home limit is typically around $498,000. Higher limits apply for multi unit properties. Check the HUD website for current figures.
What documents do I need to apply for an FHA loan in Texas?
You need proof of income such as pay stubs and tax returns, bank statements, a valid ID, and your Social Security number. Texas law also requires a property appraisal by a FHA approved appraiser.