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Directory of fha loan specialists in Gainesville, Virginia. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Gainesville, VA
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 Virginia before hiring.
Showing 20 fha loan specialists in Gainesville, VA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Fairway Independent Mortgage Corporation
7001 Heritage Village Plaza Suite 250, Gainesville, VA 20155
5712613462
Atlantic Coast Mortgage - Haymarket
14535 John Marshall Hwy Suite 112, Gainesville, VA 20155
5713664536
Tricia Goodwin
5615 Wellington Rd, Gainesville, VA 20155
7037851017
Integrity First Home Loans LLC - Justin Hamacher NMLS# 1972211
14350 Ladderbacked Dr, Gainesville, VA 20155
5712616165
Melissa Landon
5615 Wellington Rd Units 113 & 115, Gainesville, VA 20155
7038688983
Jim Podratsky - Atlantic Coast Mortgage
14535 John Marshall Hwy Suite 112, Gainesville, VA 20155
7036226702
Kristina Walsh
7500 Iron Bar Ln Unit 207, Gainesville, VA 20155
5712858318
Brandi Mckeown - Fairway Home Mortgage
7001 Heritage Village Plaza Suites 250, 255 & 260, Gainesville, VA 20155
7149060050
David Black at Rate (NMLS #453677)
14091 Dave's Store Ln Suite 101, Gainesville, VA 20155
7033821935
Atlantic Coast Mortgage - Gainesville
7500 Iron Bar Ln Unit 207, Gainesville, VA 20155
7036403304
Kristina Walsh
7500 Iron Bar Ln Unit 207, Gainesville, VA 20155
5712858318
Billy Saylor I NVR Mortgage Senior Loan Officer
7001 Heritage Village Plaza Suite 250, Gainesville, VA 20155
5713305884
Joanne F Hilliard | Fairway Independent Mortgage Corporation Loan Officer
7001 Heritage Village Plaza, Gainesville, VA 20155
7034475447
Rate
14091 Dave's Store Ln Suite 101, Gainesville, VA 20155
7033821935
Brian Murphy - Atlantic Coast Mortgage
14535 John Marshall Hwy Suite 112, Gainesville, VA 20155
5712345744
Charlene Finnegan
7001 Heritage Village Plaza Suite 250, Gainesville, VA 20155
5715518562
Sabrina Bixler Lang | Fairway Independent Mortgage Corporation Loan Officer
7001 Heritage Village Plaza Suites 250, 255 & 260, Gainesville, VA 20155
7034894648
David L Koonce | Fairway Independent Mortgage Corporation Loan Officer
7001 Heritage Village Plaza Suites 250, 255 & 260, Gainesville, VA 20155
3013323234
John A Engel | Fairway Independent Mortgage Corporation Loan Officer
7001 Heritage Village Plaza Suites 250, 255 & 260, Gainesville, VA 20155
7032832351
Victoria King - CMG Home Loans
5615 Wellington Rd Units 113 & 115, Gainesville, VA 20155
7032832494
An FHA loan specialist in Gainesville, Virginia helps home buyers navigate FHA-insured mortgages, which are popular for first-time buyers and those with lower credit scores. Virginia law requires all FHA loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Local specialists understand Gainesville market conditions and can guide you through Virginia-specific property appraisal and closing requirements.
What Does a FHA Loan Specialist in Gainesville Cost?
Typical costs for an FHA loan specialist in Virginia include an origination fee of 0.5 to 1.0 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and down payment. Additional costs may include appraisal fees around $500 to $700 and title insurance fees that vary by county. 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 Gainesville Virginia?
For 2025, the FHA loan limit for a single-family home in Prince William County, which includes Gainesville, is $498,257. This limit applies to standard FHA loans and may be higher for multi-unit properties.
What credit score is needed for an FHA loan in Virginia?
Virginia 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, though many lenders set their own higher minimums.
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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 Virginia.