Compare FHA Loan Specialists in Birmingham, AL
Looking for a fha loan specialist in Birmingham? 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 Alabama before hiring.
Showing 20 fha loan specialists in Birmingham, AL
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 Birmingham Alabama can guide you through the process of securing a government-backed mortgage. Alabama law requires all mortgage loan originators to be licensed through the Alabama State Banking Department. These specialists help borrowers with lower credit scores and smaller down payments qualify for home financing.
What Does a FHA Loan Specialist in Birmingham Cost?
Typical costs for an FHA loan specialist in Alabama include an origination fee of 1 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and down payment. Appraisal fees in Birmingham usually cost between $500 and $700. Closing costs generally total 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 does an FHA loan specialist do in Birmingham?
An FHA loan specialist helps you apply for a Federal Housing Administration insured loan. They review your income, credit history, and property eligibility. They also ensure the loan meets Alabama specific underwriting guidelines.
What are the FHA loan limits for Birmingham Alabama?
For 2025, the FHA loan limit for a single family home in Jefferson County is typically around $498,257. Limits vary by county and property type. A specialist can confirm the current limit for your specific situation.
Do I need a special license to be an FHA loan specialist in Alabama?
Yes. In Alabama, mortgage loan originators must hold a state license through the Alabama State Banking Department and register with the Nationwide Mortgage Licensing System. They must also complete continuing education each year.