ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Browse fha loan specialists serving Midland, Michigan. Contact information and addresses listed below.
20 agents listed
Updated May 2026
Midland, 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 20 fha loan specialists in Midland, 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.
Total Home Lending - Joe Gracia
6024 Eastman Ave Suite B, Midland, MI 48640
9896156642
Chad Gilstad Motto Mortgage Energy
4900 Eastman Ave, Midland, MI 48640
9899489035
Total Home Lending - Brad Schalk
801 Joe Mann Blvd P, Midland, MI 48642
9894887772
Steve King - First Community Mortgage - NMLS ID 161279
4977 Eastman Ave, Midland, MI 48640
9898596312
Academy Mortgage
111 E Wackerly St Suite C, Midland, MI 48642
9896151581
Scott Strouse - Citywide Home Mortgage
214 W Wackerly St Suite 200, Midland, MI 48640
9898598330
Geneva Financial Home Loans - Maria Fernette
702 Ashman St Suite C, Midland, MI 48640
9895133436
Steve Branigan - First Community Mortgage - NMLS ID 161997
4977 Eastman Ave, Midland, MI 48640
9894887783
Sue Moody at Citywide (NMLS #533597)
214 W Wackerly St Suite 200 Office 1, Midland, MI 48640
9894889219
Hantz Financial Services, Inc. - Midland, Michigan
2205 Ridgewood Dr, Midland, MI 48642
9898394916
Jeromy Estes- First Community Mortgage - Nmls # 1990211
4977 Eastman Ave, Midland, MI 48640
9892592692
First Community Mortgage - Midland, MI
4977 Eastman Ave, Midland, MI 48640
8004648626
Motto Mortgage Energy
4900 Eastman Ave, Midland, MI 48640
9895464333
Jessica Barber- Loan Originator
214 W Wackerly St Suite 200, Midland, MI 48640
9892059333
Mercantile Bank - Midland - Virtual Branch & Lending Office
109 E Main St, Midland, MI 48640
9899740315
Jessica Barber at Citywide (NMLS #1323444)
214 W Wackerly St Suite 200 Office 1, Midland, MI 48640
9892561554
Steve Branigan, NMLS: 161997, First Community Mortgage
2931 Manor Dr, Midland, MI 48640
9894887783
The Strouse Group at Cardinal Financial
214 W Wackerly St Suite 200, Midland, MI 48640
9894230770
Anna Courtade at Citywide (NMLS #2152585)
214 W Wackerly St Suite 200 Office 1, Midland, MI 48640
2312411270
Stephanie Geiersbach - Total Home Lending
2706 Louanna St, Midland, MI 48640
9896151581
An FHA loan specialist in Midland Michigan helps borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. Michigan law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Local specialists understand Midland County property values and can guide you through FHA appraisal and underwriting processes specific to the area.
What Does a FHA Loan Specialist in Midland Cost?
Typical costs for an FHA loan in Michigan include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual mortgage insurance premium (MIP) of 0.55 to 0.85 percent depending on loan term and down payment. Closing costs in Midland usually range from 2 to 5 percent of the purchase price. Third-party fees for appraisal credit report and title services add several hundred to a few thousand 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 credit score do I need for an FHA loan in Midland Michigan?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but need a 10 percent down payment. Michigan lenders may have overlays requiring higher scores.
Are there FHA loan limits for Midland County Michigan?
Yes FHA loan limits for Midland County in 2025 are set by HUD. For a single-family home the floor limit is typically around $498,257 and the ceiling limit for high-cost areas is higher. Your specialist can confirm the exact current limit for your property type.
What documents do I need to apply for an FHA loan in Midland?
You will need recent pay stubs W-2s tax returns for the last two years bank statements and a valid ID. Michigan law also requires proof of homeowners insurance and a property appraisal from an FHA-approved appraiser. Self-employed borrowers may need additional profit and loss statements.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Midland who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.