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Looking for a fha loan specialist in St Albans? Review the directory below to compare your options.
3 agents listed
Updated May 2026
St Albans, 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 3 fha loan specialists in St Albans, 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.
Truist
520 6th Ave, St Albans, WV 25177
3047220300
All American Financial Services
105 6th Ave, St Albans, WV 25177
3047277147
Edward Jones - Financial Advisor: James W Utterback, AAMS®
601 6th Ave STE 101, St Albans, WV 25177
3047278600
An FHA loan specialist in St Albans West Virginia helps borrowers understand and apply for loans insured by the Federal Housing Administration. These loans are popular in the Kanawha Valley for first-time buyers and those with lower credit scores. West Virginia law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in St Albans Cost?
Typical costs for an FHA loan specialist in West Virginia include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual MIP of 0.55 to 0.85 percent. Lender origination fees usually range from 0.5 to 1.5 percent of the loan. Third-party costs like appraisal and credit report fees add several hundred dollars. 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 credit score do I need for an FHA loan in St Albans?
Most FHA loans 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 need a 10 percent down payment. Each lender may have its own requirements above the FHA minimum.
Are there special FHA loan limits for West Virginia?
Yes. FHA loan limits vary by county. For Kanawha County which includes St Albans the 2025 limit for a single-family home is typically around $498,257. Higher limits apply for duplexes triplexes and fourplex properties.
Do I need a home inspection for an FHA loan in West Virginia?
Yes. FHA requires a property appraisal that checks safety soundness and security. While not a full home inspection the appraiser will identify major issues like faulty wiring or roof damage. West Virginia law does not require a separate home inspection but it is strongly recommended.
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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.