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Compare fha loan specialists in Clayton. Review contact information and insurance categorys before you decide.
11 agents listed
Updated May 2026
Clayton, 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 11 fha loan specialists in Clayton, 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.
Cornerstone Home Lending
336 E Main St, Clayton, NC 27520
9195502519
Fairway Independent Mortgage Corporation
632 Pinecroft Dr, Clayton, NC 27520
9198793040
Don Waters | Fairway Independent Mortgage Corporation Area Manager
632 Pinecroft Dr, Clayton, NC 27520
9197955622
Rob Yo The Mortgage Pro
421 E Main St Suite 101, Clayton, NC 27520
9193228201
Clayton Group - American Security Mortgage NMLS 40561
Karen Elaine White | Fairway Independent Mortgage Corporation Loan Officer
632 Pinecroft Dr, Clayton, NC 27520
9198793056
Motto Mortgage Quality
218 E Main St Suite 223, Clayton, NC 27520
9193528938
PrimeLending, A PlainsCapital Company - Clayton
8998 US-70 BUS Suite 105, Clayton, NC 27520
9195500902
Jason Hill Motto Mortgage Quality
218 E Main St Suite 223, Clayton, NC 27520
9193528938
An FHA loan specialist in Clayton, North Carolina can help you navigate the process of obtaining a government-backed mortgage. North Carolina law requires all mortgage loan officers to be licensed through the Nationwide Multistate Licensing System (NMLS). Working with a local specialist ensures you understand state-specific property tax rules and insurance requirements for Johnston County.
What Does a FHA Loan Specialist in Clayton Cost?
Typical costs for an FHA loan specialist in North Carolina include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual MIP of 0.55% to 0.85%. Closing costs usually range from 2% to 5% of the purchase price, covering origination fees, appraisal, and title services. Actual costs depend on the lender and your specific situation. 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 credit score do I need for an FHA loan in Clayton?
FHA loans typically require a minimum credit score of 580 for a 3.5% down payment. Scores between 500 and 579 may qualify with a 10% down payment. North Carolina lenders may have their own overlays, so check with a specialist.
Are there FHA loan limits for Clayton North Carolina?
Yes, FHA loan limits vary by county. For Johnston County in 2024, the standard limit for a single-family home is $498,257. Higher limits apply for multi-unit properties. A specialist can confirm current figures.
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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.