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Looking for a fha loan specialist in Richmond? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Richmond, 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 Richmond, 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.
The Cowart Team of NFM Lending
1127 W Main St, Richmond, VA 23220
8043994333
Blake Bogese, NMLS ID# 1486989
5000 Monument Ave Suite 111, Richmond, VA 23230
8045865174
804Mortgage | William Schroeder | Real Estate and Mortgage Bundled
Richmond, VA 23220
8042831140
ALCOVA Mortgage | Midlothian, VA
1106 N Thompson St, Richmond, VA 23230
8045432009
The Burkett Team of Cross Country Mortgage
1127 W Main St A, Richmond, VA 23230
8048334303
River City Lending Team | Powered by Atlantic Bay Mortgage Group
1807 Libbie Ave Suite 102, Richmond, VA 23226
8045509551
MAK Financial Group Inc
210 Portland Pl, Richmond, VA 23221
8048973700
Briana Sparrow
1807 Libbie Ave suite 1, Richmond, VA 23226
8048780509
James Bowry
8720 Stony Point Pkwy, Richmond, VA 23235
8048927320
The Rudd Mortgage Team
2920 W Broad St Suite 248, Richmond, VA 23230
8049442393
ALCOVA Mortgage | Richmond, VA
8401 Mayland Dr suite r, Richmond, VA 23294
8045924072
ALCOVA Mortgage | Colonial Heights, VA
8401 Mayland Dr suite r, Richmond, VA 23294
8045204020
Home Loan Zone Inc
400 N Ridge Rd Suite 200, Richmond, VA 23229
8553405626
ALCOVA Mortgage | Richmond, VA
1906 N Hamilton St Suite C, Richmond, VA 23230
8044756532
Olivia Smith
8730 Stony Point Pkwy, Richmond, VA 23230
8048016325
Dominion Capital Mortgage, Inc.
3900 Westerre Pkwy #303, Richmond, VA 23233
8886070404
Liberty Mortgage Corporation
2501 Monument Ave, Richmond, VA 23220
8047083484
C&F Select Mortgage
12564 Patterson Ave, Richmond, VA 23238
8048933446
Arbor Home Loans | Richmond
308 Granite Ave, Richmond, VA 23226
8044673466
Dream House Virginia
701 N Courthouse Rd Suite 201, Richmond, VA 23236
8888043482
FHA loan specialists in Richmond Virginia help borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. Virginia law requires all mortgage loan originators to be licensed through the Virginia State Corporation Commission Bureau of Financial Institutions. Richmond home buyers can benefit from FHA loans for properties in Henrico County Chesterfield County and the city of Richmond.
What Does a FHA Loan Specialist in Richmond Cost?
Typical costs for an FHA loan in Richmond Virginia include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent for most loans. Closing costs generally range from 2 to 5 percent of the purchase price. Lender fees vary but average between $1,000 and $3,000. 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 Richmond Virginia in 2025?
For 2025 the FHA loan limit for a single family home in Richmond Virginia is $498,257. This limit applies to most areas in the Richmond metropolitan area including Henrico and Chesterfield counties. Limits may be higher for multi unit properties.
What credit score is needed for an FHA loan in Richmond?
FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with credit scores between 500 and 579 may qualify with a 10 percent down payment. Individual lenders may set higher minimums.
Are there any Virginia specific requirements for FHA loans?
Virginia law requires FHA loan specialists to provide a Virginia specific mortgage loan disclosure within three business days of application. The state also mandates a 72 hour right of rescission for refinances. All FHA loans must comply with Virginia usury laws and licensing rules.
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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.