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Directory of fha loan specialists in Essexville, Michigan. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Essexville, 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 2 fha loan specialists in Essexville, 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.
Independent Bank
1615 W Center Rd, Essexville, MI 48732
9898934563
Huntington Bank
3101 Center Ave, Essexville, MI 48732
9898942045
FHA loan specialists in Essexville, Michigan help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. These loans are popular in Michigan due to the state's affordable housing market and specific property condition rules. Local specialists understand Bay County appraisal guidelines and Michigan's unique closing cost regulations.
What Does a FHA Loan Specialist in Essexville Cost?
Typical costs for an FHA loan in Michigan include an upfront mortgage insurance premium of 1.75% of the loan amount, plus an annual premium of 0.55% to 0.85% depending on the loan term and down payment. Closing costs in Essexville usually range from 2% to 5% of the purchase price, including appraisal fees of $400 to $700 and title insurance. Lender origination fees vary but often run 0.5% to 1% of the loan amount. This is general information, 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 Essexville Michigan?
For 2025, FHA loan limits in Bay County are set by the Department of Housing and Urban Development. The standard limit for a single-family home is typically around $498,257, but this can vary based on local median home prices. A specialist can confirm the exact limit for your situation.
What Michigan laws affect FHA loan requirements?
Michigan law requires FHA loans to meet specific property condition standards, including a safe water supply and working heating systems. The state also has a 30-day right to cancel for some refinances under the Truth in Lending Act. Michigan does not have a state-specific FHA program, but local lenders follow federal guidelines.
How do I choose an FHA loan specialist in Essexville?
Look for a specialist licensed in Michigan with experience in Bay County transactions. Check their history with FHA loans and ask about their knowledge of local appraisal and inspection requirements. You can verify their license through the Nationwide Multistate Licensing System.
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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.