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Showing 2 fha loan specialists in Fulton, NY
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Fulton Savings Bank
75 S 1st St, Fulton, NY 13069
3155924201
Fulton Community Development
125 W Broadway, Fulton, NY 13069
3155937166
What Does a FHA Loan Specialist in Fulton Cost?
Typical costs for FHA loan services in New York include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 to 0.85 percent. Lender origination fees usually range from 0.5 to 1.0 percent of the loan. Appraisal fees in Fulton average 400 to 600 dollars. 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 minimum FHA loan requirements in New York?
FHA loans require a minimum down payment of 3.5 percent for borrowers with a credit score of 580 or higher. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. All properties must meet FHA appraisal standards and be the borrowers primary residence.
How do I find a licensed FHA loan specialist in Fulton?
You can search for licensed mortgage loan originators on the New York State Department of Financial Services website. Local banks and credit unions in Oswego County often employ FHA specialists. Always verify that the specialist holds a valid New York license before starting an application.
Are FHA loan limits different for Fulton New York?
Yes, FHA loan limits vary by county. For Oswego County in 2025, the standard FHA loan limit for a single-family home is typically around $498,257. Higher limits apply for multi-unit properties. Check the HUD website for the most current limits.