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Looking for a fha loan specialist in Clearwater? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Clearwater, FL
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 Florida before hiring.
Showing 20 fha loan specialists in Clearwater, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
VanDyk Mortgage Corporation
13577 Feather Sound Dr # 100, Clearwater, FL 33762
8885727759
Katie Blake at Guaranteed Rate
2701 Sunset Point Rd, Clearwater, FL 33759
7272642075
McCaughan Home Lending (Powered by Lower, LLC) - Clearwater Branch
Summit Executive Center, 13575 58th St N, Clearwater, FL 33760
7274240638
Superior Mortgage Solutions
4590 Ulmerton Rd #104, Clearwater, FL 33762
7275048628
Ruth Schoenherr, Mortgage Broker
1402 Sunset Dr, Clearwater, FL 33755
7274472418
Jeannine Smith - Mortgage Lender, Aslan Home Lending Corp.
4590 Ulmerton Rd Suite 209, Clearwater, FL 33762
7277723459
Stacey Van - VanDyk Mortgage Corporation
14141 46th St N #1213, Clearwater, FL 33762
7274399288
Money Street Mortgage, LLC
29399 US Hwy 19 N STE 350, Clearwater, FL 33761
7275455626
Best Finance
600 Cleveland St Ste 248, Clearwater, FL 33755
8135827432
Choice Real Estate Funding, LLC
551 S Duncan Ave, Clearwater, FL 33756
7277243800
Sean Moore - VanDyk Mortgage Corporation
14141 46th St N STE 1201 Suite 1213, Clearwater, FL 33762
7274554768
Cindy Walker - VanDyk Mortgage Corporation
14141 46th St N #1213, Clearwater, FL 33762
7274603171
Christian Rodriguez- Home Choice Lending LLC- Clearwater, FL
5225 Tech Data Dr Suite 200: Office #2051, Clearwater, FL 33760
6033914803
Embassy Mortgage Group, Inc
550 N Bayshore Blvd, Clearwater, FL 33759
7276695626
Mortgages By Caleb Powered By Legend Home Lending
2240 Belleair Rd #125, Clearwater, FL 33764
8135863169
An FHA loan specialist in Clearwater Florida helps homebuyers navigate Federal Housing Administration insured loans. These loans are popular in Florida due to lower down payment requirements and flexible credit guidelines. Clearwater buyers often work with specialists to understand Florida specific property insurance rules and flood zone requirements.
What Does a FHA Loan Specialist in Clearwater Cost?
FHA loan specialists in Florida typically charge origination fees of 0.5% to 1.5% of the loan amount. The upfront mortgage insurance premium (UFMIP) is 1.75% of the loan amount and can be financed into the loan. Annual mortgage insurance premiums (MIP) range from 0.45% to 1.05% depending on loan term and loan to value ratio. Closing costs in Clearwater usually total 2% to 5% of the purchase price including appraisal fees title insurance and recording fees. 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 does an FHA loan specialist do in Clearwater Florida?
An FHA loan specialist guides borrowers through the FHA loan process from pre approval to closing. They help with credit qualifying, document collection, and property appraisal requirements. In Clearwater they also advise on Florida specific issues like windstorm insurance and flood zone compliance.
What are the FHA loan limits for Clearwater Florida?
For 2025 the FHA loan limit for a single family home in Pinellas County is $498,257. This limit applies to Clearwater and is set by the Department of Housing and Urban Development. Higher limits apply for duplexes triplexes and fourplex properties.
How long does an FHA loan take to close in Florida?
A typical FHA loan in Florida closes in 30 to 45 days from application. Florida law requires a 7 day right of rescission for refinances but not for purchase loans. Delays can occur if the property needs repairs to meet FHA minimum property standards.
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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 Florida.