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Looking for a fha loan specialist in Middleburg? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Middleburg, 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 Middleburg, 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.
Lending Bear
2710-304 Blanding Blvd, Middleburg, FL 32068
9042916163
The Herd Lending
14 Swimming Pen Dr, Middleburg, FL 32068
9543042763
MiMortgage - Jacksonville
1635 Farm Way STE 401, Middleburg, FL 32068
9042695992
An FHA loan specialist in Middleburg, Florida helps homebuyers navigate Federal Housing Administration loans, which are popular for first-time buyers and those with lower credit scores. In Florida, all FHA loans must comply with state property insurance requirements and flood zone regulations, especially in areas near the St. Johns River. Specialists guide clients through the loan application process, from pre-approval to closing, ensuring all Florida-specific documentation is in order.
What Does a FHA Loan Specialist in Middleburg Cost?
Typical costs for an FHA loan specialist in Florida include an origination fee of 1 to 2 percent of the loan amount, plus third-party fees for appraisal, credit report, and title search. For a $300,000 loan, origination fees may range from $3,000 to $6,000. Florida also charges documentary stamp taxes of 0.35 percent on the note and 0.70 percent on the deed. Costs 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 are the FHA loan limits for Middleburg Florida?
For 2025, the FHA loan limit for a single-family home in Clay County, including Middleburg, is $498,257. This limit is set by the U.S. Department of Housing and Urban Development and applies to all FHA loans in the area.
What credit score is needed for an FHA loan in Florida?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Florida lenders may have additional overlays.
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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.