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Directory of fha loan specialists in Richlands, North Carolina. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Richlands, 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 2 fha loan specialists in Richlands, 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.
Navy Federal Credit Union
113 Koonce Fork Rd, Richlands, NC 28574
8888426328
First Citizens Bank
8400 Richlands Hwy, Richlands, NC 28574
9103244131
FHA loan specialists in Richlands, North Carolina help borrowers secure government-backed mortgages with lower down payments. North Carolina law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand the housing market in Onslow County and can guide you through FHA requirements.
What Does a FHA Loan Specialist in Richlands Cost?
Typical costs for FHA loan specialist services in North Carolina include an origination fee of 1 percent to 1.5 percent of the loan amount. Additional costs may include appraisal fees around $500 to $700 and credit report fees of $30 to $50. Closing costs in North Carolina generally range from 2 percent 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 does an FHA loan specialist in Richlands do?
An FHA loan specialist helps borrowers apply for and close Federal Housing Administration loans. They review your credit, income, and property eligibility. They also ensure the loan meets North Carolina lending regulations.
What are the FHA loan limits for Richlands North Carolina?
For 2025, the FHA loan limit for a single-family home in Onslow County is $498,257. This amount applies to most areas in North Carolina. Higher limits may apply for duplexes or larger properties.
Do I need a special license to work with an FHA loan specialist in North Carolina?
Yes. All mortgage loan originators in North Carolina must hold a valid license from the North Carolina Commissioner of Banks. You can verify a specialists license through the NMLS Consumer Access website.
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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.