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Directory of fha loan specialists in Utica, Michigan. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Utica, 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 Utica, 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.
Nebo Lending
7759 Auburn Rd, Utica, MI 48317
7345195199
Younited Mortgage LLC
8641 Hall Rd #4, Utica, MI 48317
2488083100
An FHA loan specialist in Utica, Michigan can help you navigate the Federal Housing Administration loan process. Michigan law requires all mortgage loan originators to be licensed through the Michigan Department of Insurance and Financial Services. These specialists guide home buyers through FHA credit score minimums, down payment requirements, and property appraisal standards specific to Michigan.
What Does a FHA Loan Specialist in Utica Cost?
Typical costs for an FHA loan in Michigan include an upfront mortgage insurance premium of 1.75 percent of the loan amount, which can be financed into the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Closing costs in Michigan generally range from 2 to 5 percent of the purchase price. Lender fees, appraisal fees, and title insurance also apply. 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 credit score is needed for an FHA loan in Utica Michigan?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Michigan lenders may have their own overlays that require higher scores.
What are the FHA loan limits for Utica Michigan in 2025?
For 2025, the FHA loan limit for a single family home in Macomb County, which includes Utica, is $524,225 for low cost areas. High cost areas may have higher limits. Check with a specialist for the exact limit for your property.
Can I use an FHA loan for a condo in Utica Michigan?
Yes, but the condo complex must be on the FHA approved condominium list. Michigan condos must also meet FHA owner occupancy and financial stability requirements. Your specialist can verify if the complex is approved.
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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.