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Compare fha loan specialists in Port Charlotte. Review contact information and insurance categorys before you decide.
9 agents listed
Updated May 2026
Port Charlotte, 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 Port Charlotte, 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.
Morningstar Mortgage
474 S Tamiami Trl #3, Port Charlotte, FL 33953
8135451213
Advanced Mortgage
1777 S Tamiami Trl Office 5 Suite 304, Port Charlotte, FL 33948
2027024861
Becky Sikorski Mortgage Loan Officer
1777 S Tamiami Trl Suite 304-5, Port Charlotte, FL 33948
9416282320
Jessica Lefebre, Finance of America Mortgage LLC
1808 S Tamiami Trl Unit D4, Suite A, Port Charlotte, FL 33948
2397703325
Custom Mortgage
20020 Veterans Blvd UNIT 14, Port Charlotte, FL 33954
9412553342
loanDepot
18501 Murdock Cir # 503, Port Charlotte, FL 33948
9418837150
Guild Mortgage - Gary Jones
1166 March Dr, Port Charlotte, FL 33953
9413690515
Adam Beaudette, American Pacific Mortgage
1808 S Tamiami Trl Unit D4, Suite A, Port Charlotte, FL 33948
9417692105
Guild Mortgage Company
1166 March Dr, Port Charlotte, FL 33953
9413690515
An FHA loan specialist in Port Charlotte Florida helps home buyers and homeowners navigate FHA insured mortgages. These loans are popular in Charlotte County due to lower down payment requirements and flexible credit guidelines. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation.
What Does a FHA Loan Specialist in Port Charlotte Cost?
Typical costs for an FHA loan specialist in Florida include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Third party costs such as appraisal title and recording fees add $2,000 to $5,000. Costs vary by lender loan size and property type. 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 in Port Charlotte do?
An FHA loan specialist guides borrowers through the FHA loan process including pre approval application and closing. They explain FHA requirements such as the 3.5 percent minimum down payment and mortgage insurance premiums. Specialists also help with Florida specific property condition rules for manufactured homes and condos.
What are the FHA loan limits for Port Charlotte Florida?
FHA loan limits for Charlotte County in 2025 are set by the Department of Housing and Urban Development. For a single family home the limit is typically around $498,257 for low cost areas. Higher cost areas may have limits up to $1,149,825. A local specialist can confirm the exact limit for your property.
Do I need a special license to work with an FHA loan specialist in Florida?
Yes. In Florida all mortgage loan originators must hold a valid license from the Florida Office of Financial Regulation. You can verify a specialists license on the Nationwide Multistate Licensing System website. This requirement helps protect borrowers from unqualified lenders.
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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.