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Looking for a fha loan specialist in Harper Woods? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Harper Woods, 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 Harper Woods, 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.
The Michigan Mortgage Exchange
19946 Harper Ave, Harper Woods, MI 48225
5862380220
Chase Home Lending
20675 Vernier Rd, Harper Woods, MI 48225
7344444420
An FHA loan specialist in Harper Woods, Michigan helps homebuyers navigate FHA-insured mortgages, which are popular for first-time buyers and those with lower credit scores. Michigan law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Harper Woods residents benefit from specialists familiar with local property values and Wayne County housing market conditions.
What Does a FHA Loan Specialist in Harper Woods Cost?
Typical costs for an FHA loan in Michigan include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, plus an annual MIP of 0.55 to 1.05 percent depending on loan term and down payment. Closing costs in Harper Woods generally range from 2 to 5 percent of the purchase price. Additional fees may include appraisal costs around $500 to $700 and credit report fees of $30 to $50. 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 minimum credit score requirements for an FHA loan in Harper Woods?
The standard FHA minimum credit score is 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify with a 10 percent down payment. Michigan lenders may have their own overlay requirements, so check with a specialist.
Are there specific FHA loan limits for Harper Woods Michigan?
Yes, FHA loan limits vary by county. For Wayne County in 2024, the standard FHA loan limit for a single-family home is $498,257. High-cost area limits may apply if Harper Woods property values exceed the standard ceiling.
What Michigan-specific rules apply to FHA loans?
Michigan requires all FHA loan originators to be licensed and pass a state background check. Michigan also has a 30-day right to rescind period for refinances under certain conditions. Property must meet FHA minimum property standards, and Michigan specific disclosures must be provided at application.
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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.