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Compare fha loan specialists in Gardner. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Gardner, MA
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 Massachusetts before hiring.
Showing 3 fha loan specialists in Gardner, MA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
GFA Federal Credit Union
229 Parker St, Gardner, MA 01440
9786322542
Fidelity Bank
6 City Hall Ave, Gardner, MA 01440
9786325591
Jerry Capone - Mortgage Loan Officer
90 Pearson Blvd, Gardner, MA 01440
9785024088
FHA loan specialists in Gardner Massachusetts help homebuyers and homeowners access government backed mortgages with lower down payments. Massachusetts law requires all mortgage loan originators to be licensed through the Division of Banks. Local specialists understand Gardner real estate market conditions and can guide you through FHA appraisal and underwriting processes.
What Does a FHA Loan Specialist in Gardner Cost?
Typical costs for an FHA loan in Massachusetts 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 depending on loan term and down payment. Closing costs in Gardner generally range from 2 to 5 percent of the purchase price. These costs vary by lender and property. 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 Gardner Massachusetts?
For 2025 the FHA loan limit for a single family home in Worcester County including Gardner is $524,225. Higher limits apply for multi unit properties. These limits are set by the Department of Housing and Urban Development and may change annually.
What down payment is required for an FHA loan in Massachusetts?
FHA loans require a minimum down payment of 3.5 percent of the purchase price if your credit score is 580 or higher. Borrowers with credit scores between 500 and 579 may qualify with a 10 percent down payment. Massachusetts does not have additional state down payment requirements.
Are there Massachusetts specific requirements for FHA loans?
Massachusetts requires a licensed mortgage loan originator to handle your FHA loan application. The state also mandates a 60 day right to cure period for foreclosure prevention. FHA loans in Massachusetts must comply with state property disclosure laws and lead paint regulations for homes built before 1978.
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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 Massachusetts.