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Looking for a fha loan specialist in Charleston? Review the directory below to compare your options.
15 agents listed
Updated May 2026
Charleston, WV
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 West Virginia before hiring.
Showing 15 fha loan specialists in Charleston, WV
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
OneMain Financial
340 MacCorkle Ave SE Ste 310, Charleston, WV 25314
3047460013
Isaac Holstein - Gateway Mortgage
1202 Virginia St E, Charleston, WV 25301
3049152181
Joey Starcher | Victorian Finance
1205 Virginia St E, Charleston, WV 25301
3045328454
Christopher Eller - Gateway Mortgage
1202 Virginia St E, Charleston, WV 25301
3048810720
West Virginia Housing Development Fund
5710 MacCorkle Ave SE, Charleston, WV 25304
3043918600
Gateway Mortgage
1202 Virginia St E, Charleston, WV 25301
3048810717
Bill Bright - Gateway Mortgage
1202 Virginia St E, Charleston, WV 25301
3042440795
Union Home Mortgage
3818 MacCorkle Ave SE, Charleston, WV 25304
3047178376
Cornerstone First Mortgage
220 W Washington St, Charleston, WV 25302
3043455626
Jessica Richards-U.S. Bank Mortgage
928 Cross Lanes Dr, Charleston, WV 25313
3049799102
Jason Trador, Movement Mortgage
1018 Kanawha Blvd E Suite 309, Charleston, WV 25301
3048598960
Fifth Third Mortgage - James Conwell
4515 MacCorkle Ave SE, Charleston, WV 25304
3049725680
Movement Mortgage
1018 Kanawha Blvd E Suite 309, Charleston, WV 25301
FHA loan specialists in Charleston, West Virginia help borrowers navigate FHA-insured mortgages, which are popular in the state due to lower down payment requirements. West Virginia law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Local specialists understand the unique housing market in Kanawha County and can guide you through the FHA loan process from pre-approval to closing.
What Does a FHA Loan Specialist in Charleston Cost?
Typical costs for an FHA loan specialist in West Virginia include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the base loan amount. Annual mortgage insurance premiums (MIP) range from 0.45 percent to 1.05 percent depending on loan term and loan-to-value ratio. Closing costs in Charleston 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 Charleston West Virginia?
For 2025, the FHA loan limit for a single-family home in Kanawha County is $498,257. This limit applies to most areas and is updated annually by the Department of Housing and Urban Development (HUD).
What credit score is needed for an FHA loan in West Virginia?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but must put down at least 10 percent. Each lender may have additional requirements.
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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 West Virginia.