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Directory of fha loan specialists in West Seneca, New York. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
West Seneca, 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 3 fha loan specialists in West Seneca, 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.
Nickel City Funding, Inc.
3460 Seneca St, West Seneca, NY 14224
7165585200
Mainstream Funding Network, Inc.
960 Center Rd Suite 2, West Seneca, NY 14224
7165651500
Mortgage, Bank of America
4049 Seneca St, West Seneca, NY 14224
7163042111
An FHA loan specialist in West Seneca New York helps homebuyers secure mortgages insured by the Federal Housing Administration. These loans are popular in the Buffalo area due to lower down payment requirements and flexible credit guidelines. New York law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System.
What Does a FHA Loan Specialist in West Seneca Cost?
Typical costs for an FHA loan in New York include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium between 0.45 and 1.05 percent. Closing costs in West Seneca usually range from 2 to 5 percent of the purchase price. 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 is the minimum down payment for an FHA loan in West Seneca?
The minimum down payment is 3.5 percent of the purchase price for borrowers with a credit score of 580 or higher. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment.
Are there FHA loan limits for West Seneca New York?
Yes FHA loan limits vary by county. For Erie County in 2024 the standard limit for a single-family home is $498,257. High-cost area limits may apply in certain parts of the county.
What documents do I need to apply for an FHA loan in West Seneca?
You need recent pay stubs W-2 forms tax returns bank statements and proof of identification. A specialist will also review your credit history and debt-to-income ratio.
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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.