FHA Loan Specialists in Southampton, NY
Browse fha loan specialists serving Southampton, New York. Contact information and addresses listed below.
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
State Mortgage Licensing Authority of New York before hiring.
Showing 2 fha loan specialists in Southampton, NY
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What Does a FHA Loan Specialist in Southampton 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 percent to 0.85 percent. Loan origination fees range from 0.5 percent to 1.0 percent of the loan amount. Third-party costs such as appraisal and credit report fees add 500 to 1,000 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 Southampton New York in 2025?
For Suffolk County the FHA loan limit for a single-family home is 1,209,750 dollars in 2025. This high limit reflects the elevated home prices in the Southampton area.
Do I need a special license to be an FHA loan specialist in New York?
Yes. All mortgage loan originators in New York must hold a valid license from the New York State Department of Financial Services. They must also complete annual continuing education approved by the Nationwide Multistate Licensing System.
What documents do I need for an FHA loan application in Southampton?
You will need two years of tax returns, recent pay stubs, bank statements, and a valid government ID. New York law also requires a property appraisal by a licensed appraiser and a lead-based paint disclosure for homes built before 1978.