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Looking for a fha loan specialist in The Villages? Review the directory below to compare your options.
3 agents listed
Updated May 2026
The Villages, 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 The Villages, 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.
Union Home Mortgage - The Villages
8564 E County Rd 466 Suite 305, The Villages, FL 32162
3524152056
Pacific Lending Mortgage Bankers
1083 Magrath Way, The Villages, FL 32162
3524620636
Justin A Holloway - Truist Mortgage Loan Officer
450 Colony Blvd, The Villages, FL 32162
3523143306
An FHA loan specialist in The Villages, Florida can help you navigate the FHA loan process, which is popular for first time home buyers and those with lower credit scores. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. The Villages has many local lenders who understand the unique needs of this active adult community.
What Does a FHA Loan Specialist in The Villages Cost?
Typical costs for an FHA loan in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual mortgage insurance premium between 0.55 and 0.85 percent. Closing costs in The Villages area generally range from 2 to 5 percent of the purchase price. Lender fees and appraisal costs vary by provider. 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 The Villages Florida?
For 2024, the FHA loan limit for a single family home in Sumter County, which includes The Villages, is $498,257. This limit applies to most areas and is set by the Federal Housing Administration.
What credit score is needed for an FHA loan in Florida?
You can qualify for an FHA loan with a credit score as low as 580 with a 3.5 percent down payment. If your score is between 500 and 579, you may still qualify but will need a 10 percent down payment.
Are there Florida specific requirements for FHA loans?
Florida requires a 30 day waiting period after a short sale or foreclosure before you can apply for a new FHA loan. Also, Florida has specific property insurance requirements including windstorm coverage in many areas.
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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.