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Looking for a fha loan specialist in Ephrata? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Ephrata, WA
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 Washington before hiring.
Showing 2 fha loan specialists in Ephrata, WA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Chase Mortgage
109 Division Ave W, Ephrata, WA 98823
5097542445
Lorena Urrutia – Banner Bank Residential Loan Officer
447 Basin St SW, Ephrata, WA 98823
5096708575
An FHA loan specialist in Ephrata, Washington can help you navigate the Federal Housing Administration loan process. These loans are popular in Grant County for first-time homebuyers and those with lower credit scores. Washington state law requires all mortgage loan originators to be licensed through the Department of Financial Institutions.
What Does a FHA Loan Specialist in Ephrata Cost?
Typical costs for FHA loan services in Washington include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual mortgage insurance premiums ranging from 0.45 to 1.05 percent. Lender origination fees usually range from 0.5 to 1.5 percent of the loan amount. Third-party costs like appraisal and title fees vary by property. 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 do in Ephrata?
An FHA loan specialist guides you through the FHA loan application process, including credit review, income verification, and property appraisal. They help ensure your loan meets FHA guidelines and Washington state lending laws.
What are the FHA loan limits for Ephrata Washington?
FHA loan limits for Grant County in 2025 are set by the Department of Housing and Urban Development. For a single-family home, the limit is typically around $498,257. Your specialist can confirm the exact amount for your situation.
Do I need a down payment for an FHA loan in Washington?
FHA loans require a minimum down payment of 3.5 percent if your credit score is 580 or higher. If your score is between 500 and 579, a 10 percent down payment is needed. Washington state does not have additional down payment rules beyond federal guidelines.
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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 Washington.