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Compare fha loan specialists in Southgate. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Southgate, 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 Southgate, 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
1 Heritage Pl, Southgate, MI 48195
3135985119
KS Mortgage Group
15755 Northline Rd, Southgate, MI 48195
3136035626
Liberty Mortgage Financial LLC
12377 Longtin St Suite 1, Southgate, MI 48195
7343537370
An FHA loan specialist in Southgate Michigan can help you navigate the process of obtaining a Federal Housing Administration insured mortgage. These loans are popular for first time homebuyers and those with lower credit scores. Michigan law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Southgate Cost?
Typical costs for an FHA loan in Michigan include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual mortgage insurance premium (MIP) ranging from 0.45% to 1.05% depending on loan term and loan to value ratio. Closing costs in Michigan generally range from 2% to 5% of the purchase price. These costs vary by lender and property. 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 does an FHA loan specialist in Southgate do?
An FHA loan specialist guides you through the application and approval process for an FHA loan. They help you understand down payment requirements, credit score minimums, and mortgage insurance premiums. They also ensure your loan meets FHA guidelines and Michigan lending laws.
What are the FHA loan limits for Southgate Michigan?
For 2025 the FHA loan limit for a single family home in Wayne County including Southgate is $498,257. This limit may change annually based on the national conforming loan limit. Higher limits apply for duplexes triplexes and four unit properties.
How do I choose an FHA loan specialist in Southgate?
Look for a specialist who is licensed in Michigan through the NMLS and has experience with FHA loans. You can verify their license on the NMLS Consumer Access website. Ask about their familiarity with local appraisers and underwriters in the Downriver area.
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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.