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Compare FHA Loan Specialists in Saratoga Springs, NY
Directory of fha loan specialists in Saratoga Springs, New York. Verify credentials with the state mortgage licensing authority before hiring.
12 agents listed
Updated May 2026
Saratoga Springs, 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 12 fha loan specialists in Saratoga Springs, 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.
The Funding Store
380 Broadway, Saratoga Springs, NY 12866
5185870523
Anna Smith - Quintessential Mortgage Group
18 Division St Suite 204, Saratoga Springs, NY 12866
5183684404
Homestead Funding Corp: Laura Guillerault | NMLS# 59471
517 Broadway UNIT 202, Saratoga Springs, NY 12866
5186699664
Heidi C Ives | Go Rascal Inc Regional Manager/Sr. Loan Officer
Homestead Funding Corp: Dean Sunkes - (NMLS #64730)
517 Broadway UNIT 202, Saratoga Springs, NY 12866
5183064511
An FHA loan specialist in Saratoga Springs New York can guide you through the Federal Housing Administration loan process. These loans are popular for first-time homebuyers and those with lower credit scores. New York state law requires FHA lenders to be licensed and follow specific disclosure rules under the New York Banking Law.
What Does a FHA Loan Specialist in Saratoga Springs Cost?
Typical costs for FHA loan specialist 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 1.5 percent of the loan. Third-party costs like appraisal and title fees add several thousand 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 does an FHA loan specialist do in Saratoga Springs?
An FHA loan specialist helps you understand FHA loan requirements, pre-qualify, and complete your application. They also explain New York-specific rules like the state mortgage recording tax and property condition standards.
What are the FHA loan limits for Saratoga Springs New York?
For 2024, the FHA loan limit for a single-family home in Saratoga County is typically around $498,257. This amount can change each year based on the local median home price.
Do I need a special license to be an FHA loan specialist in New York?
Yes. In New York, FHA loan specialists must be licensed mortgage loan originators through the Nationwide Multistate Licensing System (NMLS). They must also follow New York Banking Department regulations.
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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.