FHA Loan Specialists in Gadsden, AL
Looking for a fha loan specialist in Gadsden? 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 17 fha loan specialists in Gadsden, 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.
FHA loan specialists in Gadsden Alabama help home buyers and homeowners secure government backed mortgages with lower down payments and flexible credit requirements. Alabama law requires all FHA loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand the Gadsden real estate market and can guide you through FHA loan limits specific to Etowah County.
What Does a FHA Loan Specialist in Gadsden Cost?
Typical costs for FHA loan services in Alabama include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Closing costs in Gadsden generally range from 2 to 5 percent of the purchase price. Lender origination fees vary but often range from 0.5 to 1.5 percent of the loan amount. 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 Gadsden Alabama in 2025?
For 2025 the FHA loan limit for a single family home in Etowah County is $498,257. Higher limits apply for duplexes triplexes and four unit properties. These limits are set by the U.S. Department of Housing and Urban Development and may change annually.
What credit score is needed for an FHA loan in Alabama?
FHA loans 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. Alabama lenders may have their own overlay requirements above the FHA minimum.