ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare fha loan specialists in Freeport. Review contact information and insurance categorys before you decide.
10 agents listed
Updated May 2026
Freeport, 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 10 fha loan specialists in Freeport, 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.
Fairway Independent Mortgage Corporation
49 W Merrick Rd Suite 200, Freeport, NY 11520
7187572088
Benjamin Bankers
121 Church St, Freeport, NY 11520
5168881898
Chris Gonzalez | Fairway Independent Mortgage Corporation Loan Officer
49 W Merrick Rd Suite 200, Freeport, NY 11520
5167816600
Sunrise Mortgage Company, Inc.
49 Guy Lombardo Ave, Freeport, NY 11520
5167715600
Jamie Gallagher | Loan Officer
49 W Merrick Rd Suite 200, Freeport, NY 11520
9179402819
Rene Anthony Gonzalez | Fairway Independent Mortgage Corporation Branch Manager
49 W Merrick Rd Suite 200, Freeport, NY 11520
5169729665
Michael Bauer | Lightning Funding - Mortgage Broker
49 W Merrick Rd Suite 200, Freeport, NY 11520
5169725253
Prudential Borrowing Llc
49 W Sunrise Hwy, Freeport, NY 11520
8005406847
Michelle Abreu - Chase Home Lending Advisor - NMLS ID 2114126
25 S Main St, Freeport, NY 11520
5163154648
Chase Home Lending
25 S Main St, Freeport, NY 11520
5163154648
An FHA loan specialist in Freeport New York helps borrowers secure mortgages insured by the Federal Housing Administration. These loans often require lower down payments and credit scores than conventional loans. In New York, FHA loans must comply with state specific property appraisal and disclosure rules, including the New York State Property Condition Disclosure Act.
What Does a FHA Loan Specialist in Freeport Cost?
Typical costs for an FHA loan specialist in New York include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual MIP of 0.15 to 0.75 percent depending on loan term and loan to value ratio. Origination fees usually range from 0.5 to 1.0 percent of the loan amount. Appraisal fees in Freeport average $500 to $700. These costs vary by lender and borrower circumstances. 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 are the FHA loan limits for Freeport New York?
For 2024 the FHA loan limit for a single family home in Nassau County including Freeport is $1,149,825. This limit is set by the Department of Housing and Urban Development and can change annually.
Do I need a special license to be an FHA loan specialist in New York?
Yes. In New York mortgage loan originators must be licensed through the Nationwide Multistate Licensing System and meet state education and background check requirements. This applies to all FHA loan specialists operating in Freeport.
What is the minimum down payment for an FHA loan in New York?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price if your credit score is 580 or higher. If your score is between 500 and 579 you may need a 10 percent down payment.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Freeport who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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 New York.