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Directory of fha loan specialists in Hampton, Virginia. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Hampton, 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 2 fha loan specialists in Hampton, 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.
Debbie Robbins Loan Officer with RW Towne Mortgage
2306 Cunningham Dr, Hampton, VA 23666
7574099075
Lisa McNeil Mortgage Senior Loan Officer
101 E Queen St, Hampton, VA 23669
7577599035
An FHA loan specialist in Hampton Virginia can guide you through the process of obtaining a Federal Housing Administration insured mortgage. These loans are popular for first time homebuyers and those with lower credit scores. Virginia law requires all mortgage loan originators to be licensed through the Virginia State Corporation Commission Bureau of Financial Institutions.
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.
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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.