Find FHA Loan Specialists in Gastonia, NC
Browse fha loan specialists serving Gastonia, North Carolina. Contact information and addresses listed below.
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
State Mortgage Licensing Authority of North Carolina before hiring.
Showing 11 fha loan specialists in Gastonia, 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.
What Does a FHA Loan Specialist in Gastonia Cost?
Typical costs for an FHA loan specialist in North Carolina include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.15 to 0.75 percent of the loan balance. Closing costs in Gastonia usually total 3 to 5 percent of the purchase price. 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 Gastonia North Carolina?
For 2024 the FHA loan limit for a single-family home in Gaston County is $498,257. This limit applies to standard FHA loans and may be higher for duplexes or larger properties. Your specialist can confirm the exact limit for your situation.
What credit score do I need for an FHA loan in North Carolina?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify with a 10 percent down payment. Each lender may set its own overlays so check with your specialist.
Do I need to live in Gastonia to use an FHA loan here?
Yes FHA loans require the borrower to occupy the property as their primary residence. You must intend to live in the home within 60 days of closing. Investment properties and vacation homes do not qualify for FHA financing.