ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Looking for a fha loan specialist in Charlotte? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Charlotte, NC
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 North Carolina before hiring.
Showing 20 fha loan specialists in Charlotte, NC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
125 Floyd Smith Office Park Dr, Charlotte, NC 28262
7048064624
HomeSimply
3540 Toringdon Way Suite 200, Charlotte, NC 28277
7044988893
Mutual of Omaha Mortgage
525 N Tryon St Suite 1600, Office 1637, Charlotte, NC 28202
9133939532
CrossCountry Mortgage, LLC
1230 W Morehead St STE 108, Charlotte, NC 28208
7046044020
Mecklenburg Mortgage
828 East Blvd #301, Charlotte, NC 28203
7044129131
Foundation Home Loans
4320 Carmel Rd, Charlotte, NC 28226
8337133133
Noso Funding LLC
10700 Sikes Pl #330, Charlotte, NC 28277
9802623833
MVR Mortgage Company LLC
2120 Crown Centre Dr Suite # 400, Charlotte, NC 28227
9806130278
FHA loan specialists in Charlotte, North Carolina help homebuyers secure loans insured by the Federal Housing Administration. These loans often require a lower down payment and have flexible credit requirements compared to conventional loans. In North Carolina, FHA loans must comply with state-specific property standards and closing cost limits set by the North Carolina Commissioner of Banks.
What Does a FHA Loan Specialist in Charlotte Cost?
Typical costs for an FHA loan specialist in Charlotte include an origination fee of 1 to 2 percent of the loan amount. Upfront mortgage insurance premium is 1.75 percent of the loan. Annual mortgage insurance costs about 0.55 to 0.85 percent of the loan balance. Closing costs in North Carolina range from 3,000 to 8,000 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 Charlotte in 2025?
For 2025, FHA loan limits in Mecklenburg County are 731,200 dollars for a single-family home. This limit applies to most areas in Charlotte. Higher limits may apply in high-cost areas within the county.
What credit score is needed for an FHA loan in North Carolina?
The minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. North Carolina law does not add extra credit requirements beyond FHA rules.
Are there specific North Carolina laws for FHA loan inspections?
Yes. North Carolina requires a termite inspection for FHA loans on properties with wood framing. The state also mandates a well water test if the property uses a private well. These inspections must be done by licensed professionals.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Charlotte who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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 North Carolina.