Find FHA Loan Specialists in Centralia, WA
Directory of fha loan specialists in Centralia, Washington. Verify credentials with the state state mortgage licensing authority before hiring.
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 Washington before hiring.
Showing 7 fha loan specialists in Centralia, WA
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An FHA loan specialist in Centralia, Washington can guide you through the process of securing a government-backed mortgage. Washington state law requires all mortgage loan originators to be licensed through the Department of Financial Institutions. Local specialists understand the unique housing market in Lewis County and can help you meet FHA property standards.
What Does a FHA Loan Specialist in Centralia Cost?
Typical costs for FHA loan services in Washington include an upfront mortgage insurance premium of 1.75% of the loan amount and an annual premium of 0.55% to 0.85%. Lender origination fees range from 0.5% to 1.5% of the loan amount. Appraisal fees in Centralia are usually $500 to $700. Closing costs generally total 2% to 5% of the purchase price. 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 does an FHA loan specialist in Centralia do?
An FHA loan specialist helps you apply for a Federal Housing Administration insured loan. They review your credit, income, and property eligibility. They also explain Washington-specific requirements like the state funded down payment assistance programs.
What are the FHA loan limits for Lewis County Washington?
For 2024, the FHA loan limit for a single-family home in Lewis County is $498,257. This limit applies to most areas in Centralia. Higher limits may apply for duplexes or triplexes.
Do I need a special license to work with an FHA loan specialist in Washington?
Yes, all mortgage loan originators in Washington must hold a valid license from the Department of Financial Institutions. You can verify a specialist license on the NMLS Consumer Access website. This ensures they meet state training and background check requirements.