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Showing 2 fha loan specialists in Hudson, NY
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Valley Mortgage Company
751 Warren St, Hudson, NY 12534
5188280185
First Hudson Mortgage
20 King Arthur Way, Hudson, NY 12534
5188289981
What Does a FHA Loan Specialist in Hudson Cost?
Typical costs for working with 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. These fees often total between $3,000 and $6,000 for a standard purchase. The specialist may also charge a flat fee of $500 to $1,000 for consulting services. Note that 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 Hudson, New York in 2025?
For 2025, the FHA loan limit for a single-family home in Columbia County, where Hudson is located, is $524,225. This amount applies to standard FHA loans and may be higher for multifamily properties or high-cost areas.
What are the minimum credit score and down payment requirements for an FHA loan in New York?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. If your credit score is between 500 and 579, you may still qualify but will need a 10 percent down payment. New York state does not impose additional credit score requirements beyond the federal FHA guidelines.
Do FHA loans in New York require mortgage insurance?
Yes, all FHA loans require mortgage insurance. You pay an upfront mortgage insurance premium of 1.75 percent of the loan amount, which can be rolled into the loan. You also pay an annual premium that varies based on loan term and loan-to-value ratio, typically between 0.45 and 1.05 percent of the loan balance.