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Find FHA Loan Specialists in Winchester, VA

Looking for a fha loan specialist in Winchester? Review the directory below to compare your options.

20 agents listed
Updated June 2026
Winchester, 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 State Mortgage Licensing Authority of Virginia before hiring.
Showing 20 fha loan specialists in Winchester, 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.
CrossCountry Mortgage LLC
650 Cedar Creek Grade STE 110, Winchester, VA 22601
(540) 542-6155 crosscountrymortgage.com
Scott Fournier- Integrity Home Mortgage
122 Pilot Cir, Winchester, VA 22602
(540) 504-7022 insistonscott.com
Winchester - PrimeLending
15 E Piccadilly St, Winchester, VA 22601
(540) 313-4830 lo.primelending.com
CBM Mortgage
106 N Loudoun St, Winchester, VA 22601
(540) 931-0346
Kevin Patrick at CrossCountry Mortgage
420 W Jubal Early Dr STE 105, Winchester, VA 22601
(540) 664-6828 ccm.com
Integrity Home Mortgage- Kim Violette
122 Pilot Cir, Winchester, VA 22602
(540) 664-2601 kimviolette.com
Success Mortgage
508 Front Royal Pike, Winchester, VA 22602
(540) 678-0800 successmortgage.com
Mark Peter Lynch - Guild Mortgage
125 W Piccadilly St Apartment 1, Winchester, VA 22601
(540) 664-4700 marksmortgage.com
Jeremy Throckmorton- Home Mortgage Advisors
302 N Cameron St, Winchester, VA 22601
(540) 247-3632 nextmortgage.com
Sherrie Bloomfield - Integrity Home Mortgage Corporation
122 Pilot Cir, Winchester, VA 22602
(540) 974-5866 lendwithbloomfield.com
Guild Mortgage - Peter LaRock
125 W Piccadilly St Apartment 1, Winchester, VA 22601
(540) 771-2334 branches.guildmortgage.com
Katie Moody - CrossCountry Mortgage
2352 Valor Dr, Winchester, VA 22601
(540) 877-6787 crosscountrymortgage.com
Team Angie NMLS ID#2380594 at Integrity Home Mortgage Corp.
122 Pilot Cir, Winchester, VA 22602
(540) 504-7026 mortgagebymarlin.com
Guild Mortgage - Brian Scott
125 W Piccadilly St Apartment 1, Winchester, VA 22601
(540) 336-5090 branches.guildmortgage.com
Lynn Van Ness | Fairway Independent Mortgage Corporation Loan Officer
149 Creekside Ln, Winchester, VA 22602
(540) 664-4667
Guild Mortgage Company
125 W Piccadilly St Apartment 1, Winchester, VA 22601
(540) 771-2334 branches.guildmortgage.com
ALCOVA Mortgage | Winchester, VA
112 N Cameron St, Winchester, VA 22601
(540) 542-6133 alcovawinchesterva.com
Scott Brookshire at CrossCountry Mortgage
650 Cedar Creek Grade STE 110, Winchester, VA 22601
(571) 235-1978 crosscountrymortgage.com
Damien Madison at CrossCountry Mortgage
650 Cedar Creek Grade STE 110, Winchester, VA 22601
(703) 862-6608 ccm.com
Matt Haberlie - Success Mortgage
508 Front Royal Pike, Winchester, VA 22601
(540) 409-5783 successmortgage.com

FHA loan specialists in Winchester Virginia help home buyers and homeowners secure government backed mortgages with lower down payments. Virginia law requires all FHA loan originators to be licensed through the Nationwide Mortgage Licensing System. Local specialists understand the Winchester housing market and can guide you through FHA credit score and property condition requirements.

What Does a FHA Loan Specialist in Winchester Cost?

Typical costs for FHA loan specialist services in Virginia include an origination fee of 0.5 to 1.0 percent of the loan amount and third party fees for appraisal credit report and title work. Appraisal fees in Winchester range from $500 to $700. Total closing costs usually fall between 2 and 5 percent of the purchase price. 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 Winchester Virginia?
For 2025 the FHA loan limit for a single family home in Winchester is $498,257. This limit applies to Frederick County and the city of Winchester. Limits may change annually based on the Federal Housing Finance Agency data.
What credit score do I need for an FHA loan in Virginia?
The minimum FHA credit score is 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Virginia lenders may have their own overlays so check with a local specialist.
Are there Virginia specific requirements for FHA mortgage insurance?
Yes Virginia follows FHA rules for mortgage insurance premiums. You pay an upfront MIP of 1.75 percent of the loan amount and an annual MIP that varies by loan term and loan to value ratio. Virginia does not add extra state mortgage insurance requirements.

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