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Looking for a fha loan specialist in Winter Haven? Review the directory below to compare your options.
16 agents listed
Updated May 2026
Winter Haven, 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 16 fha loan specialists in Winter Haven, 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.
Solaris Financial Group LLC
250 Magnolia Ave Ste 200, Winter Haven, FL 33880
8635855011
Fairway Independent Mortgage Corporation
6607 Winterset Gardens Rd, Winter Haven, FL 33884
8632248558
American Liberty Mortgage - Orlando, FL
223 7th St SW, Winter Haven, FL 33880
4072334077
Vertical Lending
290 Cypress Gardens Blvd E, Winter Haven, FL 33880
8632990082
Dwaine Jones Motto Mortgage Homewise
264 W Central Ave Suite A, Winter Haven, FL 33880
8634144662
David Thornton - Lower Mortgage
429 1st St S, Winter Haven, FL 33880
8632877115
Mortgages & More, LLC
810 1st St S, Winter Haven, FL 33880
8632967181
American Liberty Mortgage - Polk County - Winter Haven, FL
223 7th St SW, Winter Haven, FL 33880
8636561177
Ovidio Sardinas - Home Loans
25 5th St NW, Winter Haven, FL 33881
8634102210
First Mortgage Corporation of Winter Haven
1810 6th St SE, Winter Haven, FL 33880
8632943254
Atlas Mortgage, Inc.
333 6th St SW, Winter Haven, FL 33880
8632936669
Sarah Sonneborn- Certified Mortgage Planners
468 Daisy Way, Winter Haven, FL 33884
4402410627
Primary Residential Mortgage, Inc.
332 Ave B SW Ste 200, Winter Haven, FL 33880
4019439200
Element Home Loans - Roland Victor
429 1st St S, Winter Haven, FL 33880
8132442978
Motto Mortgage Homewise
264 W Central Ave Suite A, Winter Haven, FL 33880
8632363868
Jack Summers at CrossCountry Mortgage, LLC
635 1st St S, Winter Haven, FL 33880
8635577750
An FHA loan specialist in Winter Haven, Florida helps homebuyers navigate Federal Housing Administration insured loans. These specialists understand Florida specific condominium approval rules and the state's homestead exemption laws. They guide borrowers through credit requirements, down payment assistance programs, and the unique closing process in Polk County.
What Does a FHA Loan Specialist in Winter Haven 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 premium of 0.55 to 0.85 percent. Closing costs in Winter Haven generally range from 2 to 5 percent of the purchase price. Appraisal fees are around $500 to $700, and lender origination fees vary from 0.5 to 1.5 percent. 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 credit score do I need for an FHA loan in Winter Haven?
The standard FHA minimum credit score is 580 for a 3.5 percent down payment. A score between 500 and 579 may qualify with a 10 percent down payment. Florida law does not impose a higher state minimum, but individual lenders may set their own requirements.
Are there Florida specific FHA loan limits for Winter Haven?
Yes. FHA loan limits vary by county. For Polk County in 2025, the standard FHA loan limit for a single family home is typically around $498,257. High cost area adjustments may apply if the property is in a designated expensive market.
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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.