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Browse fha loan specialists serving Watertown, New York. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Watertown, 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 Watertown, 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.
John Bartlett
95 Public Square Suite 204, Watertown, NY 13601
3152104506
Homestead Funding Corp. – Watertown
21101 NY-12F #2, Watertown, NY 13601
3157884270
An FHA loan specialist in Watertown New York helps homebuyers navigate Federal Housing Administration insured mortgages. These loans are popular in the North Country due to lower down payment requirements. New York law requires all mortgage originators to be licensed by the Department of Financial Services, so your specialist must hold a valid license.
What Does a FHA Loan Specialist in Watertown Cost?
Typical costs for FHA loan specialist services in New York include an origination fee of 1 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Costs vary by lender and property type. This is general information, 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 Watertown?
An FHA loan specialist guides you through the application process, checks your eligibility, and helps you find a lender that offers FHA loans. They ensure your loan meets FHA guidelines and New York state regulations.
What are the FHA loan limits for Watertown New York?
For 2025, the FHA loan limit for a single-family home in Jefferson County is 498257 dollars. This limit applies to most areas in Watertown and may be higher for multi-unit properties.
Do I need a special license to be an FHA loan specialist in New York?
Yes. In New York, all mortgage loan originators must be licensed under Article 12-D of the Banking Law. You can verify a specialist license through the Nationwide Multistate Licensing System.
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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.