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Directory of fha loan specialists in Lapeer, Michigan. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Lapeer, 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 3 fha loan specialists in Lapeer, 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.
Cason Home Loans - Lapeer
432 W Nepessing St, Lapeer, MI 48446
8106644330
Legacy Mortgage
786 S Main St, Lapeer, MI 48446
8107714032
Don Henson - Loan Officer
C/O Don Henson, 700 S Main St #219, Lapeer, MI 48446
8108951285
An FHA loan specialist in Lapeer Michigan helps home buyers navigate Federal Housing Administration loans which have lower down payment requirements. Michigan law requires all mortgage loan originators to be licensed through the National Mortgage Licensing System. Local specialists understand Lapeer County property values and can guide you through the Michigan-specific closing process.
What Does a FHA Loan Specialist in Lapeer Cost?
FHA loan specialists in Michigan typically charge origination fees between 1 and 2 percent of the loan amount. You may also pay an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual mortgage insurance premiums of 0.55 to 0.85 percent. Closing costs in Lapeer County range from 3 to 6 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 requirements in Michigan?
FHA loans in Michigan require a minimum 3.5 percent down payment and a credit score of at least 580. The property must meet FHA appraisal standards and be your primary residence. Michigan law does not add extra state requirements beyond federal FHA rules.
How do I find a licensed FHA loan specialist in Lapeer?
You can search the Nationwide Mortgage Licensing System database for licensed mortgage loan originators in Lapeer Michigan. Check that the specialist is registered with the Michigan Department of Insurance and Financial Services. Local banks and credit unions in Lapeer County often employ FHA-approved specialists.
What is the FHA loan limit for Lapeer County Michigan?
The FHA loan limit for Lapeer County Michigan in 2024 is $498,257 for a single family home. This limit is set by the Department of Housing and Urban Development and applies to all FHA loans in the county. Higher limits apply for multi unit properties.
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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.