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Find FHA Loan Specialists Near You in Birmingham, MI
Directory of fha loan specialists in Birmingham, Michigan. Verify credentials with the state mortgage licensing authority before hiring.
12 agents listed
Updated May 2026
Birmingham, 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 12 fha loan specialists in Birmingham, 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.
Swift Home Loans
805 E Maple Rd, Birmingham, MI 48009
8336979438
Better Rate Mortgage
390 Park St Suite 100, Birmingham, MI 48009
2482256728
Rockwood Mortgage
33834 Woodward Ave, Birmingham, MI 48009
2487030115
Power Home Loans
925 E Maple Rd, Birmingham, MI 48009
2482750405
Griffen Hock - Berkshire Capital - Home Mortgage Specialist
33687 Woodward Ave, Birmingham, MI 48009
2487550765
York Financial Inc
1221 Bowers St #914, Birmingham, MI 48012
2485939900
Lewis Financial Mortgage
401 S Old Woodward Ave Suite #435, Birmingham, MI 48009
2489011700
L.A. Mortgage
400 Hamilton Row Suite 100, Birmingham, MI 48009
8888831985
Prolific Mortgage
166 W Maple Rd Suite 200, Birmingham, MI 48009
2485338480
Mason Miller, First National Mortgage Bankers, NMLS#185193
700 E Maple Rd Suite 302, Birmingham, MI 48009
8666446910
Century Mortgage Lending
1945 Southfield Rd, Birmingham, MI 48009
2482584977
Bloom Lending
280 N Old Woodward Ave Suite 100, Birmingham, MI 48009
7346455646
An FHA loan specialist in Birmingham Michigan helps homebuyers navigate Federal Housing Administration insured loans. Michigan law requires lenders to follow specific disclosure rules under the Michigan Mortgage Brokers Lenders and Servicers Licensing Act. Birmingham residents often use FHA loans for lower down payments and flexible credit requirements in Oakland County.
What Does a FHA Loan Specialist in Birmingham Cost?
Typical costs for an FHA loan specialist in Michigan 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 Birmingham usually range from 3 to 5 percent of the purchase price. Lender fees vary from 500 to 1,500 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 are the FHA loan limits for Birmingham Michigan in 2025?
For 2025 the FHA loan limit for a single family home in Oakland County including Birmingham is $498,257. This limit applies to standard FHA loans and may be higher for duplexes or triplexes. Limits are set by HUD and updated annually.
What Michigan specific rules apply to FHA loans?
Michigan requires lenders to provide a Good Faith Estimate and a HUD 1 Settlement Statement under state law. The Michigan Department of Insurance and Financial Services regulates FHA lenders. Borrowers must also meet Michigan property condition standards for FHA appraisals.
How long does an FHA loan process take in Birmingham Michigan?
A typical FHA loan in Michigan closes in 30 to 45 days from application. Michigan law does not set a specific time limit but lenders must provide a Loan Estimate within three business days. Delays can occur if the property needs repairs required by the FHA appraisal.
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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 Michigan.