Find FHA Loan Specialists in Hampton, VA
Looking for a fha loan specialist in Hampton? 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 Virginia before hiring.
Showing 2 fha loan specialists in Hampton, VA
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What Does a FHA Loan Specialist in Hampton Cost?
Typical costs for an FHA loan in Virginia include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium between 0.45 and 1.05 percent. Closing costs in Hampton usually range from 2 to 5 percent of the purchase price. These costs can vary by lender and property type. 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 does an FHA loan specialist in Hampton do?
An FHA loan specialist helps you determine if you qualify for an FHA loan and assists with the application process. They review your credit history, income, and debt to ensure you meet FHA guidelines. They also explain Virginia specific property requirements such as the need for a VA approved appraisal.
What are the FHA loan limits for Hampton Virginia in 2025?
For 2025 the FHA loan limit for a single family home in Hampton Virginia is $498,257 for most areas. This limit is set by the Department of Housing and Urban Development and applies to all FHA loans in the city. Higher limits may apply for duplexes or larger properties.
How long does it take to close an FHA loan in Virginia?
The typical FHA loan closing process in Virginia takes 30 to 45 days from application to closing. This timeline can vary based on the lender workload and the appraisal process. Virginia law does not set a specific time limit but lenders must provide a Loan Estimate within three business days of application.