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Compare fha loan specialists in Garner. Review contact information and insurance categorys before you decide.
5 agents listed
Updated May 2026
Garner, 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 5 fha loan specialists in Garner, 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.
Chuck Payne at NFM Lending
883 US-70, Garner, NC 27529
9195237210
Jackie Wampler at Intercoastal Mortgage, LLC
131 US-70 West, Garner, NC 27529
9192910139
NFM Lending - Garner, NC - Branch 308
883 US-70, Garner, NC 27529
8664829076
Carolina Home Loans of NC, LLC
245 New Fidelity Ct #205, Garner, NC 27529
9196612080
Equity Builder Mortgage, LLC
1005 Vandora Springs Rd, Garner, NC 27529
9842061227
An FHA loan specialist in Garner, North Carolina can help you navigate the requirements of a Federal Housing Administration insured loan. These loans are popular in the Raleigh metro area for first time home buyers and those with lower credit scores. North Carolina law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Garner Cost?
Typical costs for an FHA loan specialist in Garner, North Carolina include an origination fee of 1 percent of the loan amount, plus third party fees for appraisal (usually $500 to $700), credit report ($30 to $50), and title services ($800 to $1,200). The total closing costs for an FHA loan in North Carolina often range from 2 to 5 percent of the purchase price. This is general information and does not constitute 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 Garner North Carolina?
For 2024, the FHA loan limit for a single family home in Wake County including Garner is $498,257. This limit applies to most areas and is set by the Department of Housing and Urban Development (HUD). Higher limits may apply for duplexes or larger properties.
What credit score do I need for an FHA loan in North Carolina?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. If your credit score is between 500 and 579, you may still qualify but you will need a 10 percent down payment. Each lender in North Carolina may have its own overlay requirements.
What is the FHA mortgage insurance premium (MIP) in North Carolina?
FHA loans require an upfront MIP of 1.75 percent of the loan amount and an annual MIP that ranges from 0.15 percent to 0.75 percent depending on the loan term and loan to value ratio. In North Carolina, this MIP is typically paid monthly and cannot be canceled for most loans originated after 2013.
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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 North Carolina.