Find FHA Loan Specialists in Wichita Falls, TX
Looking for a fha loan specialist in Wichita Falls? 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 19 fha loan specialists in Wichita Falls, 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.
FHA loan specialists in Wichita Falls Texas help borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. These professionals guide clients through the Texas-specific underwriting rules and property standards required by the Texas Department of Savings and Mortgage Lending. Local specialists understand the Wichita Falls housing market and can assist with FHA loans for single-family homes and duplexes.
What Does a FHA Loan Specialist in Wichita Falls Cost?
Typical costs for FHA loan specialist services in Texas include an origination fee of 1 percent of the loan amount which is capped by FHA rules. Borrowers also pay an upfront mortgage insurance premium of 1.75 percent of the base loan amount and an annual premium of 0.55 percent. Third-party costs like appraisal and title fees range from $500 to $1,500. 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 are the FHA loan limits for Wichita Falls Texas?
For 2025 the FHA loan limit for a single-family home in Wichita County is $498,257. This limit applies to most areas in Wichita Falls and may be higher for multi-unit properties.
Do I need a specific license to be an FHA loan specialist in Texas?
Yes FHA loan specialists in Texas must hold a valid Mortgage Loan Originator license through the Nationwide Multistate Licensing System. They must also complete Texas-specific pre-licensing education and pass a state exam.
What is the minimum down payment for an FHA loan in Texas?
The minimum down payment for an FHA loan in Texas is 3.5 percent of the purchase price if your credit score is 580 or higher. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment.