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Compare fha loan specialists in Bohemia. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Bohemia, 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 3 fha loan specialists in Bohemia, 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.
Jet Direct Mortgage
4875 Sunrise Hwy # 300, Bohemia, NY 11716
6315741306
Five Star Reverse Funding
1376 Locust Ave, Bohemia, NY 11716
6315897827
South Fork Funding
2000 Arctic Ave, Bohemia, NY 11716
6313892250
An FHA loan specialist in Bohemia, New York helps homebuyers navigate the Federal Housing Administration loan process. New York State law requires all mortgage loan originators to be licensed through the Department of Financial Services. Working with a local specialist ensures you understand Suffolk County property values and New York specific closing procedures.
What Does a FHA Loan Specialist in Bohemia Cost?
Typical costs for an FHA loan specialist in New York include an origination fee of 1% of the loan amount, often ranging from $3,000 to $5,000 on a $300,000 loan. Additionally, borrowers pay an upfront mortgage insurance premium of 1.75% of the loan amount and an annual mortgage insurance premium. Appraisal fees in Suffolk County average $500 to $700. These costs vary by lender and loan size. 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 does an FHA loan specialist in Bohemia do?
An FHA loan specialist guides you through the FHA loan application, from pre approval to closing. They help you meet New York State licensing requirements and ensure your 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 Suffolk County in 2025?
For 2025, the FHA loan limit for a single family home in Suffolk County, which includes Bohemia, is $1,149,825 for high cost areas. This limit is set by the Department of Housing and Urban Development and may change annually. A local specialist can confirm the current limit for your specific property.
Do I need a New York State license to get an FHA loan?
No, you do not need a license as a borrower. However, the loan officer you work with must be licensed under the New York State Secure and Fair Enforcement for Mortgage Licensing Act. You can verify a loan officers license on the Nationwide Multistate Licensing System website.
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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.