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Looking for a fha loan specialist in Jacksonville Beach? Review the directory below to compare your options.
8 agents listed
Updated May 2026
Jacksonville 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 8 fha loan specialists in Jacksonville 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.
Future Home Loans
224 3rd St N, Jacksonville Beach, FL 32250
8442028124
Texana Bank Mortgage
1114 Beach Blvd, Jacksonville Beach, FL 32250
9049921000
Grid Mortgage
11 San Pablo Cir N, Jacksonville Beach, FL 32250
9042284917
Tyler Tatum - Movement Mortgage NMLS 791352
333 1st St N #310, Jacksonville Beach, FL 32250
4047518463
Promise Mortgage - Jonathan Torres
1522 Penman Rd, Jacksonville Beach, FL 32250
5183680090
Stone Team Mortgages - Movement Mortgage
333 1st St N #310, Jacksonville Beach, FL 32250
8708303999
North Florida Mortgage Brokers
380 13th Ave N, Jacksonville Beach, FL 32250
9047550307
Ryan Proffitt at Rate (NMLS #22464)
602 Shetter Ave Executive Office #1, Jacksonville Beach, FL 32250
9047605788
What Does a FHA Loan Specialist in Jacksonville Beach Cost?
Typical costs for FHA loan specialist services in Florida include an origination fee of 1% to 1.5% of the loan amount, plus an upfront mortgage insurance premium (UFMIP) of 1.75% of the base loan amount. Annual mortgage insurance premiums (MIP) range from 0.45% to 1.05% depending on loan term and loan-to-value ratio. Appraisal fees in Jacksonville Beach average $500 to $700. These costs vary by lender and borrower situation. 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 do in Jacksonville Beach?
An FHA loan specialist guides borrowers through the FHA loan process, including pre-approval, documentation, and closing. They ensure the loan meets FHA guidelines and Florida-specific requirements, such as property condition standards and flood insurance rules.
What are the minimum credit score requirements for an FHA loan in Florida?
FHA loans typically require a minimum credit score of 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. Florida lenders may have additional overlays beyond FHA minimums.
Are there Florida-specific rules for FHA loans?
Yes, Florida law requires all mortgage loan originators to be licensed and pass a background check. FHA loans in Florida also require flood insurance for properties in designated flood zones, which is common in coastal areas like Jacksonville Beach.
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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.