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Showing 3 fha loan specialists in New Paltz, 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.
Focused Financing
171 Main St, New Paltz, NY 12561
6318970051
Ulster Savings Bank
226 Main St, New Paltz, NY 12561
8452555470
Chase Mortgage
2 Plattekill Ave, New Paltz, NY 12561
8452550500
What Does a FHA Loan Specialist in New Paltz 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 annual mortgage insurance premiums ranging from 0.45 to 1.05 percent. Closing costs in New Paltz generally range from 2 to 5 percent of the purchase price. Lender fees may include an origination fee of 0.5 to 1 percent. 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 New Paltz New York?
For 2025 FHA loan limits in Ulster County are set at $498,257 for a single family home. This limit is based on the median home price in the area and is updated annually by HUD.
What credit score is needed for an FHA loan in New Paltz?
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 overlay requirements.
Are there New York specific FHA loan requirements?
Yes New York requires FHA loans to comply with state property disclosure laws and lead paint regulations. The New York State Department of Financial Services also sets standards for mortgage servicing and foreclosure prevention.