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Directory of fha loan specialists in Hartselle, Alabama. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Hartselle, 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 6 fha loan specialists in Hartselle, 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.
TitleMax Title Pawns
155 Hwy 31 SW, Hartselle, AL 35640
2567513332
World Finance
701 Hwy 31 SW B, Hartselle, AL 35640
2567512969
Family Security Credit Union
1305 Hwy 31 SW, Hartselle, AL 35640
2567738911
First State Loans of Hartselle, Inc
240 Hwy 31 SW #51, Hartselle, AL 35640
2567510300
Main St Mortgage, Inc
110 Main St W, Hartselle, AL 35640
2565029800
PNC Mortgage
589 Hwy 31 NW, Hartselle, AL 35640
2567515000
FHA loan specialists in Hartselle, Alabama help buyers secure government-backed mortgages with lower down payments and flexible credit requirements. These loans are popular in Morgan County due to Alabama's first-time homebuyer programs and FHA guidelines that allow for down payments as low as 3.5 percent. Local specialists understand Hartselle's real estate market and can guide you through FHA appraisal and underwriting processes specific to Alabama.
What Does a FHA Loan Specialist in Hartselle Cost?
Typical costs for an FHA loan in Alabama include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual MIP ranging from 0.45 percent to 1.05 percent of the loan balance. Closing costs in Hartselle usually range from 2 to 5 percent of the purchase price, covering appraisal, title search, and origination fees. Actual costs vary by lender, loan amount, and borrower qualifications. This is general information, 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 Hartselle, Alabama?
For 2025, FHA loan limits in Morgan County are set at $524,225 for a single-family home. This limit applies to standard FHA loans and may vary for high-cost areas. Check with a local specialist for the most current figures.
Do FHA loans in Alabama require mortgage insurance?
Yes, FHA loans require both an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual MIP that varies based on loan term and down payment. This insurance protects the lender and is required for the life of the loan if the down payment is less than 10 percent.
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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.