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Find FHA Loan Specialists Near You in Florence, AL
Directory of fha loan specialists in Florence, Alabama. Verify credentials with the state mortgage licensing authority before hiring.
19 agents listed
Updated May 2026
Florence, 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 19 fha loan specialists in Florence, 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.
World Finance
215 Cox Creek Pkwy, Florence, AL 35630
2567661888
Liberty Finance of Florence
2701 Mall Rd Ste. #11, Florence, AL 35630
2567666066
Sun Loan Company
2701 Mall Rd #9, Florence, AL 35630
2562635434
Tower Loan
202 S Pine St, Florence, AL 35630
2567671399
Assurance Financial - Florence
4050 Helton Drive #301, Florence, AL 35630
2563258944
Florence Federal Credit Union
1505 N Pine St, Florence, AL 35630
2567674700
Barbara Gaston - Assurance Financial
4050 Helton Drive #301, Florence, AL 35630
2564369011
Integrity Mortgage Group Florence, Alabama
3505 Florence Blvd, Florence, AL 35634
2566276102
Regional Finance
2801 Mall Rd Suite 9, Florence, AL 35630
2567400611
First Federal Mortgage
103 N Court St A, Florence, AL 35630
2567603570
Heights Finance
2512 Florence Blvd, Florence, AL 35630
2567658801
New American Funding - Kim Livingston
220 W Tennessee St ste 111, Florence, AL 35630
2563307854
Republic Finance
127 Ana Dr, Florence, AL 35630
2567653748
Trustmark Mortgage - Florence
212A N Court St, Florence, AL 35630
2567650155
First Southern Bank Mortgage
303 N Pine St, Florence, AL 35630
2567184241
New American Funding - Florence
220 W Tennessee St ste 111, Florence, AL 35630
2562802489
Supreme Lending
327 S Walnut St, Florence, AL 35630
2563492254
North Alabama Mortgage, Inc.
222 W Alabama St, Florence, AL 35630
2562754163
Direct Mortgage Corp
4221 Huntsville Rd, Florence, AL 35630
2054950313
FHA loan specialists in Florence Alabama help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. Alabama law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand the Florence real estate market and can guide you through FHA requirements for homes in Lauderdale County.
What Does a FHA Loan Specialist in Florence Cost?
Typical costs for an FHA loan specialist in Alabama include an origination fee of 1 to 2 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Appraisal fees in Florence usually cost between $400 and $700. Closing costs generally total 3 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 Florence Alabama?
For 2024, the FHA loan limit for a single-family home in Lauderdale County is $498,257. This limit applies to most standard FHA loans and is adjusted annually based on local median home prices.
Do I need a special license to be an FHA loan specialist in Alabama?
Yes, all mortgage loan originators in Alabama must be licensed through the NMLS and complete pre-licensing education. They must also pass a criminal background check and meet continuing education requirements each year.
What credit score do I need for an FHA loan in Florence?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may have additional requirements.
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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.