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Directory of fha loan specialists in Ballston Spa, New York. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Ballston Spa, NY
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 New York before hiring.
Showing 2 fha loan specialists in Ballston Spa, 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.
Haus Capital Corporation - Saratoga
10 Blacksmith Dr, Ballston Spa, NY 12020
5183668608
Contour Mortgage
404 Geyser Rd, Ballston Spa, NY 12020
5183216735
FHA loan specialists in Ballston Spa, New York help borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. New York law requires all mortgage loan originators to be licensed through the Department of Financial Services. These specialists guide clients through FHA guidelines and local property appraisal standards in Saratoga County.
What Does a FHA Loan Specialist in Ballston Spa Cost?
Typical costs for FHA loan specialist services in New York include an origination fee of 1 percent of the loan amount and a mortgage insurance premium of 1.75 percent upfront plus 0.55 percent annually. Appraisal fees range from $500 to $700 for a single-family home in Ballston Spa. Closing costs usually total 3 to 5 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 does an FHA loan specialist do in Ballston Spa?
An FHA loan specialist helps you complete the FHA loan application, gather required documents, and ensure the property meets FHA minimum standards. They also explain New York-specific mortgage recording taxes and other local fees.
What are the FHA loan limits for Ballston Spa New York?
For 2024 the FHA loan limit for a single-family home in Saratoga County is $498,257. This limit applies to most areas in Ballston Spa. Higher limits may apply for multi-unit properties.
Do I need a special license to be an FHA loan specialist in New York?
Yes. In New York all mortgage loan originators must be licensed by the New York State Department of Financial Services under Article 12-D of the Banking Law. They must also complete annual continuing education.
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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 New York.