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Browse fha loan specialists serving Mt Sinai, New York. Contact information and addresses listed below.
5 agents listed
Updated May 2026
Mt Sinai, 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 5 fha loan specialists in Mt Sinai, 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.
Michael Falino Loan Officer US Mortgage
620 NY-25A suite c, Mt Sinai, NY 11766
6312305834
First Financial Advisors Group
620 NY-25A, Mt Sinai, NY 11766
6316891515
Gavin Graham - Chase Home Lending Advisor - NMLS ID 38728
5499 Nesconset Hwy, Mt Sinai, NY 11766
6313793037
Chase Home Lending
5499 Nesconset Hwy, Mt Sinai, NY 11766
6313793037
Ed Russo - Mortgage Loan Officer
620 NY-25A, Mt Sinai, NY 11766
6314570670
An FHA loan specialist in Mt Sinai, New York can help you navigate government-backed mortgages with lower down payments. New York State law requires all mortgage loan originators to be licensed through the Department of Financial Services. Local specialists understand Suffolk County property values and can guide you through FHA appraisal rules.
What Does a FHA Loan Specialist in Mt Sinai Cost?
Typical costs for an FHA loan specialist in New York include an origination fee of 1 to 2 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Appraisal fees in Suffolk County average 500 to 700 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 FHA loan limits for Mt Sinai New York?
For 2024, the FHA loan limit for a single-family home in Suffolk County, including Mt Sinai, is $1,149,825. This high limit reflects the area's elevated home prices and applies to FHA forward mortgages.
What credit score do I need for an FHA loan in New York?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. New York lenders may have additional overlays.
Are there New York specific rules for FHA loans?
New York requires all FHA loan originators to be licensed under the Secure and Fair Enforcement for Mortgage Licensing Act. The state also mandates specific disclosures about mortgage insurance premiums and prepayment penalties.
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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.