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Find FHA Loan Specialists Near You in Palm Bay, FL
Compare fha loan specialists in Palm Bay. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Palm Bay, 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 4 fha loan specialists in Palm Bay, 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.
Harmony Mortgage Inc.
6050 Babcock St SE #27, Palm Bay, FL 32909
3212506565
TrueVet Mortgage
2475 Palm Bay Rd NE #145, Palm Bay, FL 32905
3213644461
DHI Mortgage - Melbourne
490 Centre Lake Dr NE Ste. 150, Palm Bay, FL 32907
3219533131
Blissful Mortgage llc
2475 Palm Bay Rd NE ste 145 19b, Palm Bay, FL 32905
8552825477
An FHA loan specialist in Palm Bay, Florida helps homebuyers navigate government-backed mortgages with lower down payments. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. Palm Bay residents often use FHA loans due to the area's affordable housing market and the program's flexibility for first-time buyers.
What Does a FHA Loan Specialist in Palm Bay Cost?
Typical costs for an FHA loan specialist in Florida include an origination fee of 1% to 1.5% of the loan amount and an upfront mortgage insurance premium (UFMIP) of 1.75% of the base loan amount. Annual mortgage insurance premiums range from 0.45% to 1.05% depending on loan terms and down payment. Closing costs in Palm Bay generally total 2% to 5% of the purchase price. 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 does an FHA loan specialist in Palm Bay do?
An FHA loan specialist guides you through the application process for a Federal Housing Administration loan. They help you understand credit requirements, down payment options, and Florida-specific property appraisal rules. They also ensure your loan meets HUD guidelines for Brevard County.
What are the FHA loan limits for Palm Bay Florida?
For 2025, the FHA loan limit for a single-family home in Brevard County is $498,257. This amount applies to Palm Bay and surrounding areas. Limits may change annually based on HUD adjustments.
Do I need a special license to be an FHA loan specialist in Florida?
Yes, Florida requires all mortgage loan originators to hold a valid license from the Florida Office of Financial Regulation. This includes completing pre-licensing education and passing a background check. The license must be renewed every year.
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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.