FHA Loan Specialists in Sterling, VA
Looking for a fha loan specialist in Sterling? 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 8 fha loan specialists in Sterling, 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.
FHA loan specialists in Sterling Virginia help borrowers secure government backed mortgages with low down payments. Virginia law requires all loan originators to be licensed through the State Corporation Commission. Local specialists understand the Northern Virginia housing market and can guide you through FHA requirements for Loudoun County properties.
What Does a FHA Loan Specialist in Sterling 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 of 0.55 percent to 0.85 percent. Closing costs in Sterling usually range from 2 to 5 percent of the purchase price. Appraisal fees for FHA loans in the area are typically $500 to $700. Costs vary by lender and loan size. This is general information 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 Sterling Virginia in 2025?
For 2025 the FHA loan limit for a single family home in Loudoun County is $1,149,825. This high limit reflects the elevated home prices in the Sterling area. Borrowers can use this limit for both purchase and refinance loans.
Do I need a Virginia specific license to be an FHA loan specialist?
Yes all FHA loan specialists in Virginia must hold a valid mortgage loan originator license through the Nationwide Multistate Licensing System. They must also complete Virginia specific education and pass a state background check. You can verify a license on the NMLS Consumer Access website.
What is the minimum down payment for an FHA loan in Virginia?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price if your credit score is 580 or higher. If your score is between 500 and 579 you may need a 10 percent down payment. Virginia law does not add additional down payment requirements beyond federal FHA rules.