ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Browse fha loan specialists serving Decatur, Alabama. Contact information and addresses listed below.
18 agents listed
Updated May 2026
Decatur, 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 18 fha loan specialists in Decatur, 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.
Security Finance
2314 6th Ave SE Suite A, Decatur, AL 35601
2563511570
CrossCountry Mortgage LLC - Anna McCaghren Wilson
2708-2 Hwy 31 S Ste C, Decatur, AL 35603
2563037886
1st Franklin Financial
725 Beltline Rd SW, Decatur, AL 35601
2563550361
Tower Loan
2418 Danville Rd SW, Decatur, AL 35603
2562609840
Mutual of Omaha Mortgage
2600 Point Mallard Pkwy SE, Decatur, AL 35603
2562813169
Dream Home Mortgage LLC
101 14th St SW, Decatur, AL 35601
2566864050
First State Loans Inc
1326 6th Ave SE, Decatur, AL 35601
2563519223
SouthPoint Bank Home Mortgage
1314 6th Ave SE, Decatur, AL 35601
2563089722
First Alabama Loans, Inc
925 6th Ave SE, Decatur, AL 35601
2563015521
Russell Carmichael | Fairway Independent Mortgage Corporation Loan Officer
1501 4th Ave SE, Decatur, AL 35601
2566123217
First Southern Financial
1733 6th Ave SE, Decatur, AL 35601
2563502727
New American Funding - Becky K. Young
2708-2 Hwy 31 S Ste C, Decatur, AL 35603
2566900184
First Mortgage Group Inc
118 Moulton St E #7, Decatur, AL 35601
2563506376
Synovus Mortgage
801 Church St NE #9, Decatur, AL 35601
2562605700
New American Funding - Jordan Parker
2708-2 Hwy 31 S Ste C, Decatur, AL 35603
2564345050
Hard Money Lenders Decatur AL
303 2nd Ave SE, Decatur, AL 35601
9383333518
Home Mortgage of America
114 Moulton St E, Decatur, AL 35601
2562605700
PNC Mortgage
2004 6th Ave SE, Decatur, AL 35601
2563515080
What Does a FHA Loan Specialist in Decatur Cost?
The cost of working with an FHA loan specialist in Decatur Alabama varies. Typical fees include an origination fee of 0.5% to 1% of the loan amount and third party costs for appraisal and credit report. The upfront mortgage insurance premium is 1.75% of the loan amount, and annual mortgage insurance premiums range from 0.45% to 1.05% depending on loan terms. Alabama specific costs include a state mortgage tax of $0.15 per $100 borrowed and recording fees of about $30 to $50. 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 in Decatur do?
An FHA loan specialist guides you through the FHA loan process including pre approval, documentation, and closing. They help you meet FHA requirements such as the 3.5% minimum down payment and the 580 minimum credit score. They also explain Alabama specific rules like the state mortgage tax and recording fees.
Are there income limits for FHA loans in Decatur Alabama?
FHA loans do not have a maximum income limit, but they do have loan limits that vary by county. In Morgan County Alabama the 2024 FHA loan limit for a single family home is $498,257. Your debt to income ratio must generally be below 43% to qualify.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Decatur who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.