FHA Loan Specialists in Bluefield, WV
Compare fha loan specialists in Bluefield. Review contact information and insurance categorys before you decide.
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 West Virginia before hiring.
Showing 3 fha loan specialists in Bluefield, WV
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What Does a FHA Loan Specialist in Bluefield Cost?
Typical costs for an FHA loan specialist in West Virginia include an origination fee of 1 to 2 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Closing costs in Bluefield generally range from 2 to 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 Bluefield, West Virginia?
For 2025, the FHA loan limit for a single-family home in Mercer County is $498,257. This amount is the standard floor limit for most areas in West Virginia. Higher limits may apply for multi-unit properties.
What credit score do I need for an FHA loan in West Virginia?
You can qualify for an FHA loan with a credit score as low as 580 with a 3.5 percent down payment. If your score is between 500 and 579, you may still qualify but need a 10 percent down payment. Each lender may have additional requirements.
Are there West Virginia specific requirements for FHA loans?
West Virginia does not have state-specific FHA laws, but all mortgage loan originators must be licensed under the West Virginia Secure and Fair Enforcement for Mortgage Licensing Act. You must also meet standard FHA requirements including property appraisal and occupancy rules.