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Find FHA Loan Specialists Near You in New Smyrna Beach, FL
Directory of fha loan specialists in New Smyrna Beach, Florida. Verify credentials with the state mortgage licensing authority before hiring.
9 agents listed
Updated May 2026
New Smyrna 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 9 fha loan specialists in New Smyrna 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.
Guild Mortgage - Sally Vance
207 Live Oak St, New Smyrna Beach, FL 32168
3864784811
Mallorie Butler - NMLS# 1904272
212 Palmetto St, New Smyrna Beach, FL 32168
5742745969
HMA Mortgage
315 Live Oak St, New Smyrna Beach, FL 32168
3864273445
Lori Young at CrossCountry Mortgage
318 Palmetto St, New Smyrna Beach, FL 32168
6144779110
Guild Mortgage - Logan Roche
207 Live Oak St, New Smyrna Beach, FL 32168
4075641870
Certified Mortgage Planners, New Smyrna Beach
435 Canal St ste 207, New Smyrna Beach, FL 32168
4074669664
Acrisure Mortgage, LLC
3502 S Atlantic Ave, New Smyrna Beach, FL 32169
8664132563
Artie Mitchell - Mortgage Loan Officer
1811 FL-44, New Smyrna Beach, FL 32168
9142626601
Guild Mortgage Company
207 Live Oak St, New Smyrna Beach, FL 32168
3864784811
An FHA loan specialist in New Smyrna Beach Florida helps buyers qualify for government backed mortgages with lower down payments. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. Local specialists understand Volusia County property values and can guide you through FHA appraisal and inspection standards.
What Does a FHA Loan Specialist in New Smyrna Beach Cost?
Typical costs for an FHA loan specialist in Florida include an origination fee of 1 percent of the loan amount and a mortgage insurance premium of 1.75 percent upfront plus 0.55 percent annually. For a $300,000 loan the upfront costs could be around $5,250 plus appraisal fees of $500 to $700. Costs vary by lender and your credit profile. 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 New Smyrna Beach Florida?
FHA loan limits for Volusia County in 2025 are set by HUD. For a single family home the floor limit is typically around $498,257 and the ceiling limit can reach $1,149,825 in high cost areas. Your specialist can confirm the exact limit for your property.
Do I need a specific FHA approved condo in New Smyrna Beach?
Yes if you buy a condo you must choose one on the FHA approved condominium list. Many beachfront complexes in New Smyrna Beach are not approved. Your specialist can check the HUD database before you make an offer.
What Florida specific rules apply to FHA loans?
Florida requires a 30 day waiting period after a short sale or foreclosure before you can apply for an FHA loan. Also Florida law mandates a specific disclosure about flood insurance if the property is in a Special Flood Hazard Area. Your specialist will provide these forms.
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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.