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Compare fha loan specialists in Fort Walton Beach. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Fort Walton Beach, 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 Fort Walton Beach, 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.
Douglas Team - Movement Mortgage
709 Eglin Pkwy NE, Fort Walton Beach, FL 32547
8506211616
Waterstone Mortgage Corporation
123 Staff Dr NE, Fort Walton Beach, FL 32548
8503626901
Bank of England Mortgage
348 Miracle Strip Pkwy SW Suite 39, Fort Walton Beach, FL 32548
8503626488
Mortgage Apex
196 Miracle Strip Pkwy SE Unit I, Fort Walton Beach, FL 32548
8507494972
PrimeLending, A PlainsCapital Company - Niceville-Bluewater Bay
26 Racetrack Rd NW A, Fort Walton Beach, FL 32547
8506091010
AJ DiCarlo Branch Manager at CrossCountry Mortgage
139 Beal Pkwy SW UNIT 104, Fort Walton Beach, FL 32548
8507336981
James Mahieu - Northpointe Bank
694 Randall Roberts Rd, Fort Walton Beach, FL 32547
8504996034
Sheryl Douglas
709 Eglin Pkwy NE, Fort Walton Beach, FL 32547
8506211616
PrimeLending, A PlainsCapital Company - Ft. Walton Beach
26 Racetrack Rd NW A, Fort Walton Beach, FL 32547
8506091010
loanDepot Emerald Coast
348 Miracle Strip Pkwy SW #23, Fort Walton Beach, FL 32548
8505336122
New American Funding - Fort Walton, FL
348 Miracle Strip Pkwy SW Ste. 17, Fort Walton Beach, FL 32548
8502043651
Sarah Johnson at Veterans Lending Group
21 Miracle Strip Pkwy SE, Fort Walton Beach, FL 32548
8503081612
PrimeLending, A PlainsCapital Company - Navarre
26 Racetrack Rd NW A, Fort Walton Beach, FL 32547
8503967095
Climb Mortgage
105 Lewis St Suite 204, Fort Walton Beach, FL 32547
8777644294
Marisa Clark at CrossCountry Mortgage
21 Miracle Strip Pkwy SE, Fort Walton Beach, FL 32548
8777731226
Mortgage One of the South Inc
15 Eglin Pkwy NE, Fort Walton Beach, FL 32548
8507962100
Jason Wilbur at CrossCountry Mortgage
21 Miracle Strip Pkwy SE, Fort Walton Beach, FL 32548
8502667292
Stacey Grimes at CrossCountry Mortgage
21 Miracle Strip Pkwy SE, Fort Walton Beach, FL 32548
8505432126
Katie Morgan NMLS 1698389 Team Loan Officer
26 Racetrack Rd NW A, Fort Walton Beach, FL 32547
8502406391
Veterans Lending Group - Headquarters
21 Miracle Strip Pkwy SE, Fort Walton Beach, FL 32548
8668546691
FHA loan specialists in Fort Walton Beach help homebuyers secure mortgages insured by the Federal Housing Administration. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. These specialists guide clients through FHA guidelines including lower down payments and flexible credit requirements common in the Fort Walton Beach housing market.
What Does a FHA Loan Specialist in Fort Walton Beach Cost?
Typical costs for FHA loan services in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent to 0.85 percent depending on loan term and down payment. Lender origination fees range from 0.5 to 1.5 percent of the loan amount. Appraisal fees in Fort Walton Beach average 500 to 700 dollars. 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 requirements in Fort Walton Beach Florida?
FHA loans require a minimum 3.5 percent down payment and a credit score of at least 580. The property must meet FHA safety and appraisal standards. Florida law does not add extra state requirements beyond federal FHA rules.
How do I find a qualified FHA loan specialist in Fort Walton Beach?
You can search the Nationwide Multistate Licensing System database to verify a specialist is licensed in Florida. Local real estate agents and home builders in Fort Walton Beach often refer clients to experienced FHA specialists. Always confirm the specialist has recent experience with FHA loans in Okaloosa County.
Are FHA loan limits different in Fort Walton Beach Florida?
Yes FHA loan limits vary by county. For 2025 the FHA loan limit for a single family home in Okaloosa County is 498,257 dollars. This limit is higher than the standard floor because Fort Walton Beach is in a high cost area.
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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.