Compare FHA Loan Specialists in Gig Harbor, WA
Looking for a fha loan specialist in Gig Harbor? 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 Washington before hiring.
Showing 20 fha loan specialists in Gig Harbor, 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.
An FHA loan specialist in Gig Harbor Washington helps borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. Washington state law requires all mortgage loan originators to be licensed through the Department of Financial Institutions. Gig Harbor home buyers often use FHA loans for single-family homes and condos in Pierce County.
What Does a FHA Loan Specialist in Gig Harbor Cost?
Typical costs for an FHA loan in Washington include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual MIP of 0.55 to 0.85 percent. Closing costs in Gig Harbor generally range from 2 to 5 percent of the purchase price. Lender fees may add 500 to 1500 dollars. 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 Gig Harbor Washington?
For 2025 the FHA loan limit for a single-family home in Pierce County including Gig Harbor is $552,000. Higher limits apply for duplexes triplexes and fourplexes. These limits are set annually by the Department of Housing and Urban Development.
What credit score is needed for an FHA loan in Washington?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Washington lenders may have their own overlay requirements above the FHA minimum.
Are there Washington-specific rules for FHA appraisals?
FHA appraisals in Washington must meet HUD minimum property standards including safety and structural integrity. Washington requires a wood destroying organism inspection for FHA loans due to local climate conditions. The appraisal is valid for 120 days.