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Showing 5 fha loan specialists in Baldwinsville, NY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Upstate Premier Mortgage
57 E Genesee St, Baldwinsville, NY 13027
3153261271
Empower Federal Credit Union
15 E Genesee St #110, Baldwinsville, NY 13027
8004625000
Fulton Savings Bank
7471 State Fair Blvd, Baldwinsville, NY 13027
3156380293
KeyBank
10 E Genesee St, Baldwinsville, NY 13027
3156355021
Horan Wealth Management
63 E Genesee St Suite A, Baldwinsville, NY 13027
3156353666
What Does a FHA Loan Specialist in Baldwinsville Cost?
Typical costs for an FHA loan specialist in New York include an origination fee of 1 percent of the loan amount plus third-party fees for appraisal credit report and title search. The upfront mortgage insurance premium is 1.75 percent of the loan amount and can be financed into the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and loan-to-value ratio. 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 are the FHA loan limits for Baldwinsville New York?
For 2025 the FHA loan limit for a single-family home in Onondaga County is $498,257. Higher limits apply for duplexes triplexes and four-unit properties. These limits are set by the Department of Housing and Urban Development and may change annually.
What credit score is needed for an FHA loan in New York?
Borrowers with a credit score of 580 or higher can qualify for a 3.5 percent down payment. Those with scores between 500 and 579 may still qualify but must make a 10 percent down payment. New York lenders may have their own overlay requirements beyond FHA minimums.
How long does an FHA loan closing take in New York?
A typical FHA loan closing in New York takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs required by the FHA appraisal. New York law requires a three-day right of rescission for refinances.