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Find FHA Loan Specialists Near You in Key Biscayne, FL
Directory of fha loan specialists in Key Biscayne, Florida. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Key Biscayne, 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 5 fha loan specialists in Key Biscayne, 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.
Magellan International Mortgage Corp.
260 Crandon Blvd #9, Key Biscayne, FL 33149
3053612323
Truist
520 Crandon Blvd, Key Biscayne, FL 33149
3053657349
Construction, Private, & Hard Money Lending - London Financial Company (LFC)
965 Crandon Blvd, Key Biscayne, FL 33149
3053619720
Chase Home Lending
320 Crandon Blvd, Key Biscayne, FL 33149
6462757311
Northstar Mortgage Investments
104 Crandon Blvd # 324, Key Biscayne, FL 33149
3053610800
An FHA loan specialist in Key Biscayne, Florida can guide you through the process of obtaining a government-backed mortgage. These loans are popular in high-cost areas like Miami-Dade County because they allow lower down payments. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation.
What Does a FHA Loan Specialist in Key Biscayne Cost?
Typical costs for an FHA loan in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Closing costs in Key Biscayne generally range from 2 to 5 percent of the purchase price. Lender fees and appraisal costs vary by provider. 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 is an FHA loan and how does it work in Key Biscayne?
An FHA loan is a mortgage insured by the Federal Housing Administration. In Key Biscayne, it allows buyers to purchase a home with a down payment as low as 3.5 percent. The loan must meet FHA property standards and local flood zone requirements common in coastal Florida.
What are the FHA loan limits for Key Biscayne Florida?
For 2025, the FHA loan limit for a single-family home in Miami-Dade County including Key Biscayne is $524,225. Higher limits apply for two to four unit properties. These limits are set annually by the Department of Housing and Urban Development.
Do I need a special license to work as an FHA loan specialist in Florida?
Yes. All mortgage loan originators in Florida must hold a valid license from the Florida Office of Financial Regulation. They must also complete continuing education courses each year to maintain their license.
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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.