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Directory of fha loan specialists in Fleming Island, Florida. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Fleming Island, 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 3 fha loan specialists in Fleming Island, 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.
First Look Home Loans
4605 US-17 #2, Fleming Island, FL 32003
9048633977
Lisa Daniels Guild Mortgage
1824 Town Center Blvd Suite 103, Fleming Island, FL 32003
9042191417
Lisa Doherty
1824 Town Center Blvd Suite 103, Fleming Island, FL 32003
9045211005
FHA loan specialists in Fleming Island Florida help borrowers secure government backed mortgages with lower down payments and flexible credit requirements. Florida law requires FHA appraisals to meet specific property condition standards which specialists navigate for local homes. These professionals guide Clay County residents through the FHA loan process from pre approval to closing.
What Does a FHA Loan Specialist in Fleming Island Cost?
Typical costs for FHA loan specialist services in Florida include origination fees of 0.5 to 1.5 percent of the loan amount. Appraisal fees range from $400 to $700 and credit report fees are about $30 to $50. Closing costs in Fleming Island average 3 to 5 percent of the purchase price but can vary by lender and property. 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 does an FHA loan specialist in Fleming Island do?
An FHA loan specialist assists with FHA insured mortgages including pre qualification document collection and lender coordination. They explain Florida specific rules such as flood zone requirements and homestead exemption impacts. Their role is to simplify the loan process for home buyers in Fleming Island.
What are the FHA loan limits for Fleming Island Florida?
For 2025 the FHA loan limit for a single family home in Clay County Florida is $498,257. This limit applies to most areas in Fleming Island. Higher limits may apply for duplexes triplexes or four unit properties.
Do FHA loans in Florida require mortgage insurance?
Yes all FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount. Annual mortgage insurance premiums also apply and vary based on loan term and down payment. This insurance protects the lender if the borrower defaults.
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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 Florida.