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Compare fha loan specialists in Elkridge. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Elkridge, MD
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 Maryland before hiring.
Showing 2 fha loan specialists in Elkridge, MD
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
H&L Lending Company, LLC
8170 Lark Brown Rd, Elkridge, MD 21075
4106961411
Financial Freedom Mortgage, LLC
6020 Meadowridge Center Dr suite q, Elkridge, MD 21075
4104247280
An FHA loan specialist in Elkridge Maryland helps homebuyers navigate Federal Housing Administration insured loans. These loans are popular in Howard County due to lower down payment requirements and flexible credit guidelines. Maryland law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Elkridge Cost?
Typical costs for FHA loan services in Maryland include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual mortgage insurance premium (MIP) ranging from 0.45% to 1.05% depending on loan term and loan to value ratio. Origination fees from a specialist usually range from 0.5% to 1.0% of the loan amount. Third party costs such as appraisal and title fees add $1,000 to $3,000. 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 does an FHA loan specialist in Elkridge do?
An FHA loan specialist guides borrowers through the FHA loan process including pre approval application and closing. They help determine eligibility based on FHA guidelines and Maryland specific property requirements.
What are the FHA loan limits for Elkridge Maryland in 2025?
For 2025 the FHA loan limit for a single family home in Howard County Maryland is $557,750. This limit is set by the Federal Housing Administration and applies to most areas in the county.
Do I need a special license to work with an FHA loan specialist in Maryland?
Yes. In Maryland all mortgage loan originators must hold a valid license through the NMLS. You can verify a specialist license on the NMLS Consumer Access website before working with them.
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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 Maryland.