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Directory of fha loan specialists in Waterford, Connecticut. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Waterford, CT
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 Connecticut before hiring.
Showing 3 fha loan specialists in Waterford, CT
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Gateway Mortgage Services, LLC
428 Boston Post Rd, Waterford, CT 06385
8605749458
Max Satti - Mortgage Broker
428 Boston Post Rd, Waterford, CT 06385
8609410086
Residential Mortgage Services (RMS)
65 Boston Post Rd, Waterford, CT 06385
8607721500
FHA loan specialists in Waterford, Connecticut help homebuyers navigate Federal Housing Administration loans, which are popular for first-time buyers and those with lower credit scores. Connecticut law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Working with a local specialist ensures you understand Waterford property values and Connecticut specific closing procedures.
What Does a FHA Loan Specialist in Waterford Cost?
Typical costs for an FHA loan in Connecticut include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, and an annual mortgage insurance premium (MIP) ranging from 0.45 to 1.05 percent depending on loan term and down payment. Closing costs in Waterford generally range from 2 to 5 percent of the purchase price. Appraisal fees are around $500 to $700. 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 is an FHA loan and how does it work in Waterford?
An FHA loan is a government backed mortgage insured by the Federal Housing Administration. In Waterford, these loans allow down payments as low as 3.5 percent for borrowers with credit scores of 580 or higher. The loan must be used for a primary residence within Connecticut state lines.
What are the credit score requirements for an FHA loan in Connecticut?
The minimum credit score for an FHA loan is 500 with a 10 percent down payment, or 580 for a 3.5 percent down payment. Connecticut lenders may impose higher minimums based on their own risk policies. A specialist can review your specific credit profile.
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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 Connecticut.