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Browse fha loan specialists serving Spencer, Massachusetts. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Spencer, 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 2 fha loan specialists in Spencer, 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.
Fairway Independent Mortgage Corp
130 W Main St Unit B, Spencer, MA 01562
7742410770
Mortgage House
12 Overlook Dr, Spencer, MA 01562
5086121835
FHA loan specialists in Spencer Massachusetts help homebuyers secure 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 Spencer real estate values and can guide you through the FHA appraisal process in Worcester County.
What Does a FHA Loan Specialist in Spencer Cost?
Typical costs for an FHA loan specialist in Massachusetts include an upfront mortgage insurance premium of 1.75 percent of the loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Lender origination fees in Massachusetts generally range from 0.5 to 1.5 percent of the loan amount. Closing costs in Worcester County average 2 to 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 Spencer Massachusetts?
For 2024 the FHA loan limit for a single-family home in Worcester County including Spencer is $498,257. This limit applies to standard FHA loans and may be higher for duplex or triplex properties. Limits are set by the Federal Housing Administration and adjusted annually.
What credit score is needed for an FHA loan in Massachusetts?
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. Massachusetts lenders may have additional overlays beyond FHA minimums.
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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 Massachusetts.