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Find FHA Loan Specialists Near You in Tarpon Springs, FL
Looking for a fha loan specialist in Tarpon Springs? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Tarpon Springs, 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 7 fha loan specialists in Tarpon Springs, 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.
KB Mortgage
5 W Orange St, Tarpon Springs, FL 34689
7277988798
Movement Mortgage - The Higgins Home Loan Team
123 E Tarpon Ave Office 208, Tarpon Springs, FL 34689
7274218428
Smart Mortgage Centers Inc
38852 US Hwy 19 N, Tarpon Springs, FL 34689
8884296601
O.J. Mortgage Co Inc
917 E Klosterman Rd, Tarpon Springs, FL 34689
7277730505
Diane Schillace NMLS #359766
917 E Klosterman Rd Unit A, Tarpon Springs, FL 34689
7274921140
Mortgage, Bank of America
910 E Tarpon Ave, Tarpon Springs, FL 34689
7279471811
Housing & Financial Educator
19 N Pinellas Ave, Tarpon Springs, FL 34689
8557281200
FHA loan specialists in Tarpon Springs Florida help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. Local specialists understand the unique housing market in Pinellas County and can guide borrowers through FHA loan limits specific to this region.
What Does a FHA Loan Specialist in Tarpon Springs Cost?
Typical costs for FHA loan specialist services 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. Appraisal costs in Tarpon Springs average $500 to $700. Closing costs generally total 3 to 5 percent of the loan amount. 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 are the FHA loan limits for Tarpon Springs Florida?
For 2024 FHA loan limits in Pinellas County are $498,257 for a single-family home. This limit applies to most areas in Tarpon Springs and is set by the Department of Housing and Urban Development.
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 requirements.
Do FHA loans require a home inspection in Florida?
FHA loans require a property appraisal that includes a basic health and safety inspection. Florida law does not require a separate home inspection but specialists recommend one to identify potential issues before closing.
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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.