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Find FHA Loan Specialists Near You in Vero Beach, FL
Directory of fha loan specialists in Vero Beach, Florida. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Vero Beach, 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 20 fha loan specialists in Vero Beach, 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.
Guild Mortgage - Kim Ullrich
3235 Cardinal Dr, Vero Beach, FL 32963
5612123849
Chris Ruby & The Treasure Coast Team of Supreme Lending
800 20th Pl #5, Vero Beach, FL 32960
7725306192
Denise Russo NMLS 644402 | ONE Presidential Mortgage
2907 Ocean Dr, Vero Beach, FL 32963
8608183307
Smartly Home Loans, Inc
80 Royal Palm Pointe, Vero Beach, FL 32960
7729992882
Union Home Mortgage - Vero Beach
93 Royal Palm Pointe, Vero Beach, FL 32960
7722266300
Amy Speak | SouthState Mortgage
3240 Cardinal Dr, Vero Beach, FL 32963
7722347877
Total Mortgage
2145 14th Ave Suite # 10, Vero Beach, FL 32960
7729335626
Contour Mortgage, Vero Beach
1701 Jimmy Buffett Mem Hwy Suite #103, Vero Beach, FL 32963
7727582341
Cole Ripple
3096 Cardinal Dr Suite 2A, Vero Beach, FL 32963
7725386485
Ursula Kupferer | SouthState Mortgage
855 21st St, Vero Beach, FL 32960
7722347858
Total Mortgage
2907 Ocean Dr, Vero Beach, FL 32963
7727130123
Shannon Pohl - Union Home Mortgage
93 Royal Palm Pointe, Vero Beach, FL 32960
7723606030
Eva Granberg NMLS #2167024 | ONE Presidential Mortgage
2907 Ocean Dr, Vero Beach, FL 32963
7727130123
Ocean Mortgage Capital
601 21st St Ste. 30 0, Vero Beach, FL 32960
7725594630
C2 Financial Corporation - Vero Beach Office - Clay Collins strictly offering reverse mortgages for seniors
1054 20th Pl, Vero Beach, FL 32960
7725842260
Guild Mortgage - Dawn Schweiker
333 17th St Unit K Office 21, Vero Beach, FL 32960
6095602052
Luba Reilly
3096 Cardinal Dr Suite 2A, Vero Beach, FL 32963
5613170095
loanDepot
2855 Ocean Dr C6, Vero Beach, FL 32963
7722572040
Riverside Mortgage Solutions
801 20th Pl, Vero Beach, FL 32960
7725715671
Lisa Amorosa at FBC Mortgage, LLC
1406 19th Pl, Vero Beach, FL 32960
7726338477
An FHA loan specialist in Vero Beach Florida helps borrowers secure mortgages insured by the Federal Housing Administration. These loans are popular in Indian River County due to lower down payment requirements and flexible credit guidelines. Florida law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Vero Beach Cost?
Typical costs for an FHA loan in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium ranging from 0.15 to 0.75 percent. Lender fees can vary from 0 to 2 percent of the loan amount. Closing costs in Indian River County average between 2 and 5 percent 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 are the FHA loan limits for Vero Beach Florida?
For 2025 the FHA loan limit for a single-family home in Indian River County is $498,257. This amount is set by the Department of Housing and Urban Development and may change annually.
Do FHA loans require a minimum credit score 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. Each lender may have additional requirements.
What is the FHA mortgage insurance premium in Florida?
FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount. There is also an annual premium that varies from 0.15 percent to 0.75 percent depending on the loan term and loan-to-value ratio.
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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.