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Browse fha loan specialists serving Valrico, Florida. Contact information and addresses listed below.
6 agents listed
Updated May 2026
Valrico, 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 6 fha loan specialists in Valrico, 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.
Mike Neill Mortgage Broker NMLS #1064583
4934 Willow Ridge Terrace, Valrico, FL 33596
8138928666
Tony Recupero | Freedom First Mortgage Group
916 Innergary Pl, Valrico, FL 33594
8133263331
Royal & Co Mortgage Corp.
3821 Buckingham Loop Dr, Valrico, FL 33594
8136576900
Preferred Lending Services, LLC
3228 Lithia Pinecrest Rd #102, Valrico, FL 33594
8779106718
CrossCountry Mortgage, LLC
2350 FL-60 Office #43, Valrico, FL 33594
8134804747
Union Home Mortgage
2350 FL-60, Valrico, FL 33594
6312528500
An FHA loan specialist in Valrico Florida helps homebuyers navigate government-insured mortgages with lower down payments. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. These specialists guide clients through the unique requirements of FHA loans in the Tampa Bay area market.
What Does a FHA Loan Specialist in Valrico Cost?
Typical costs for FHA loan specialist services in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Origination fees often range from 1 to 2 percent of the loan value. Third-party costs like appraisal and title fees add 500 to 1500 dollars. 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 Valrico do?
An FHA loan specialist helps you qualify for a Federal Housing Administration loan. They review your credit history, income documents, and property eligibility. They also ensure your loan meets Florida specific insurance and tax requirements.
What are the FHA loan limits for Valrico Florida in 2025?
For 2025 the FHA loan limit for a single-family home in Hillsborough County including Valrico is $524,225. Higher limits apply for multi-unit properties. These limits are set annually by the Department of Housing and Urban Development.
Do I need a special license to be an FHA loan specialist in Florida?
Yes all mortgage loan originators in Florida must hold a valid license from the Florida Office of Financial Regulation. They must also complete continuing education courses each year. This licensing ensures they follow state and federal lending laws.
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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.