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Looking for a fha loan specialist in Muscle Shoals? Review the directory below to compare your options.
10 agents listed
Updated May 2026
Muscle Shoals, 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 10 fha loan specialists in Muscle Shoals, 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
416 S Wilson Dam Rd, Muscle Shoals, AL 35661
2563893233
1st Franklin Financial
320 W Avalon Ave Suite 2, Muscle Shoals, AL 35661
2563816635
First-Sun Finance
2010B Woodward Ave, Muscle Shoals, AL 35661
2569785977
Capstone Finance
502 W Avalon Ave, Muscle Shoals, AL 35661
2563860010
Lendmark Financial Services LLC
1901 Woodward Ave, Muscle Shoals, AL 35661
2562489585
CIS Home Loans
1110 E 6th St C, Muscle Shoals, AL 35661
2563142120
Julie L Weldon - Regions Mortgage Loan Officer
700 E Avalon Ave, Muscle Shoals, AL 35661
2566279212
PNC Mortgage
606 E Avalon Ave, Muscle Shoals, AL 35661
2567678893
Commercial Loan Solutions LLC
522 E 2nd St #103, Muscle Shoals, AL 35661
2563142032
SouthPoint Bank Home Mortgage
1810 John R St c, Muscle Shoals, AL 35661
2569786757
FHA loan specialists in Muscle Shoals Alabama help home buyers secure loans insured by the Federal Housing Administration. These loans often require a lower down payment and have flexible credit guidelines. Alabama law requires all mortgage loan originators to be licensed through the Alabama State Banking Department.
What Does a FHA Loan Specialist in Muscle Shoals Cost?
FHA loan specialist fees in Alabama typically include an origination fee of 1 percent of the loan amount and a mortgage insurance premium of 1.75 percent upfront. Annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on the loan term and loan-to-value ratio. Closing costs in Muscle Shoals usually 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 Muscle Shoals Alabama?
For 2025 the FHA loan limit for a single-family home in Colbert County is typically around $498,257. This limit can change each year based on the area median home price.
What credit score is needed for an FHA loan in Alabama?
Most FHA loan specialists in Alabama require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with a score between 500 and 579 may qualify with a 10 percent down payment.
How long does the FHA loan process take in Muscle Shoals?
The typical FHA loan process in Alabama takes 30 to 45 days from application to closing. Delays can occur if additional documentation is needed for appraisal or underwriting.
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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.