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Find FHA Loan Specialists Near You in St Marys, GA
Directory of fha loan specialists in St Marys, Georgia. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
St Marys, GA
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 Georgia before hiring.
Showing 2 fha loan specialists in St Marys, GA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mariem Bennett, Mortgage Lender NMLS #176626
1191 Charlie Smith Sr Hwy Suite A, St Marys, GA 31558
9122272447
Coastal Mortgage Company
24 Andrews Way, St Marys, GA 31558
9127295626
FHA loan specialists in St Marys Georgia help borrowers qualify for government backed mortgages with lower down payments. Georgia law requires all FHA loan originators to hold a valid state license through the Georgia Department of Banking and Finance. These specialists guide clients through FHA requirements including minimum credit scores and property condition standards.
What Does a FHA Loan Specialist in St Marys Cost?
Typical costs for an FHA loan in Georgia include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent to 0.85 percent. Closing costs in St Marys range from 2 to 5 percent of the purchase price. Appraisal fees are usually 400 to 700 dollars. 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 St Marys Georgia?
Most FHA loans 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 in Georgia may set higher minimums.
What are the FHA loan limits for St Marys Georgia?
For 2024 the FHA loan limit for a single family home in Camden County is 498,257 dollars. Higher limits apply for duplexes triplexes and fourplex properties. These limits are set by the Federal Housing Administration based on local median home prices.
Can I use an FHA loan to buy a fixer upper in St Marys?
Yes the FHA 203k rehabilitation loan allows you to finance both the purchase and renovation costs. Georgia law requires all contractors on 203k projects to be licensed with the Georgia State Licensing Board for Residential and General Contractors.
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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 Georgia.