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Browse fha loan specialists serving Pelham, New York. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Pelham, 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 2 fha loan specialists in Pelham, 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.
Trustco Bank
132 Fifth Ave, Pelham, NY 10803
9146321983
Chase Home Lending
35 Fifth Ave, Pelham, NY 10803
9143098099
FHA loan specialists in Pelham New York help homebuyers secure 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 the specific property value trends and housing market conditions in Westchester County.
What Does a FHA Loan Specialist in Pelham 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 mortgage insurance premium of 0.55 to 0.85 percent. Lender origination fees range from 0.5 to 1.5 percent of the loan amount. Additional costs may include appraisal fees around $500 to $700 and credit report fees of $30 to $50. These costs vary by lender and your specific financial situation. 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 is the minimum down payment for an FHA loan in Pelham 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 credit score is between 500 and 579, you may need a 10 percent down payment. These requirements apply nationwide including Pelham New York.
What are the FHA loan limits for Pelham New York?
For 2024 the FHA loan limit for a single-family home in Westchester County including Pelham is $1,149,825. This high limit reflects the elevated home prices in the New York metropolitan area. Limits are updated annually by the Federal Housing Administration.
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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.