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Compare fha loan specialists in Bay City. Review contact information and insurance categorys before you decide.
16 agents listed
Updated May 2026
Bay City, MI
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 Michigan before hiring.
Showing 16 fha loan specialists in Bay City, MI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Advance America
3970 Wilder Rd Ste C, Bay City, MI 48706
9896675740
Total Home Lending - Bay City
1901 S Euclid Ave Suite 6, Bay City, MI 48706
9896712701
Berkshire Hathaway HomeServices Michigan Real Estate Bay City
901 Saginaw St, Bay City, MI 48708
9898928888
Sheila Schmidt - Total Home Lending
1901 S Euclid Ave, Bay City, MI 48706
9897808401
United Bay Community Credit Union
1309 N Lincoln St, Bay City, MI 48708
9898924597
Heppner Team - Total Home Lending
1901 S Euclid Ave #6, Bay City, MI 48706
9899286229
Top Flite Financial Inc
4773 2 Mile Rd, Bay City, MI 48706
9894503901
Trevor Hahn-Guild Mortgage
401 Center Ave Suite 2, Bay City, MI 48708
9892841269
Pierpoint Mortgage Bay City, MI
4300 Wheeler Rd, Bay City, MI 48706
9896565098
Justin Holyszko -USA Mortgage
201 6th St Unit 207, Bay City, MI 48708
9892450373
Guild Mortgage - Justin Holyszko
201 6th St Unit 207, Bay City, MI 48708
9892450373
Hantz Financial Services, Inc. - Bay City, Michigan
115 First St, Bay City, MI 48708
9896849813
Thrivent - Great Lakes Bay Associates
6004 Westside Saginaw Rd Ste A, Bay City, MI 48706
9896869620
Independent Mortgage Co
800 Washington Ave, Bay City, MI 48708
9896716000
PNC Mortgage
1111 N Euclid Ave, Bay City, MI 48706
9898949356
PNC Mortgage
610 Lafayette Ave, Bay City, MI 48708
9898949344
An FHA loan specialist in Bay City Michigan helps homebuyers navigate Federal Housing Administration insured loans. These loans are popular in the Great Lakes Bay Region for their low down payment requirements. Michigan law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Bay City Cost?
Typical costs for FHA loan services in Michigan include an origination fee of 0.5% to 1.0% of the loan amount, plus third-party fees for appraisal ($500 to $700), credit report ($30 to $50), and title services ($800 to $1,200). Closing costs in Bay City generally range from 3% to 5% of the purchase price. Note that 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 Bay City Michigan in 2025?
For 2025, the FHA loan limit for a single-family home in Bay County Michigan is $498,257. This amount applies to most areas in the state and is set by the U.S. Department of Housing and Urban Development (HUD).
What is the minimum down payment for an FHA loan in Michigan?
The minimum down payment for an FHA loan is 3.5% of the purchase price if your credit score is 580 or higher. If your credit score is between 500 and 579, you may need a 10% down payment. Michigan first-time homebuyer programs may also offer additional assistance.
Do FHA loans require mortgage insurance in Michigan?
Yes, all FHA loans require both an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual MIP that varies based on loan term and loan-to-value ratio. For most loans, the annual MIP is between 0.55% and 0.85% of the loan balance. This insurance protects the lender if you default.
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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 Michigan.