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Directory of fha loan specialists in Birmingham, Alabama. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Birmingham, AL
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 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.
The Ben Chenault & Travis Mitchell Team of MortgageBanc
2007 Eagle Ridge Dr, Birmingham, AL 35242
2059864220
MortgageRight
1 Perimeter Park S Suite 230, Birmingham, AL 35243
2057768401
Assurance Financial - Birmingham
500 Office Park Dr #410, Birmingham, AL 35223
2057768400
Classic Home Mortgage, Inc.
2167 Rocky Ridge Rd, Birmingham, AL 35216
2054445866
Scott Stearns | MortgageBanc Loan Officer
2007 Eagle Ridge Dr, Birmingham, AL 35242
2059086993
First Lenders Mortgage Corporation
University Building, 85 Bagby Dr # 204, Birmingham, AL 35209
2058592275
McGowin-King Mortgage, LLC
2 Office Park Cir #103, Birmingham, AL 35223
2058797775
Tower Loan
1800 Tin Valley Cir E, Birmingham, AL 35235
2052287911
David B Arnette | MortgageBanc Loan Officer
2007 Eagle Ridge Dr #5442, Birmingham, AL 35242
2054137990
First Federal Mortgage
2871 Acton Rd #200, Birmingham, AL 35243
2059693334
Clint Curtis Thompson | Fairway Home Mortgage/MortgageBanc- Loan Advisor
2007 Eagle Ridge Dr, Birmingham, AL 35242
2057190626
Scott D McFadden | MortgageBanc Loan Officer
2007 Eagle Ridge Dr, Birmingham, AL 35242
2059038374
Fox Mortgage Inc
3510 Vann Rd #101, Birmingham, AL 35235
2056616868
Integrity Mortgage Brokers, LLC
3644 Vann Rd Ste 132, Birmingham, AL 35235
2056166756
Meg Hicks at CrossCountry Mortgage
1 Perimeter Park S Suite 100 N, Birmingham, AL 35243
2052833598
Jim Bryant at Prosperity Home Mortgage - Vestavia
2409 Acton Rd Suite 137, Birmingham, AL 35243
2057097665
Pamela Koehler | MortgageBanc Loan Officer
2007 Eagle Ridge Dr, Birmingham, AL 35242
2059191490
Gagliano Mortgage, Inc
4500 Valleydale Rd Suite F, Birmingham, AL 35242
2059794412
Steve W Niven | MortgageBanc Loan Officer
2007 Eagle Ridge Dr, Birmingham, AL 35242
2055783951
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.
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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 Alabama.