Compare FHA Loan Specialists in Oklahoma City, OK
Browse fha loan specialists serving Oklahoma City, Oklahoma. 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 Oklahoma before hiring.
Showing 20 fha loan specialists in Oklahoma City, OK
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
An FHA loan specialist in Oklahoma City helps borrowers navigate Federal Housing Administration insured loans which have lower down payment requirements than conventional loans. Oklahoma City homebuyers often use FHA loans because of the citys affordable housing market and the states first time homebuyer programs that can pair with FHA financing. Local specialists understand Oklahoma specific property tax rules and the states homestead exemption which can affect your total housing costs.
What Does a FHA Loan Specialist in Oklahoma City Cost?
Typical costs for an FHA loan specialist in Oklahoma City include an origination fee of 0.5 to 1.0 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance depending on the loan term and down payment. Third party costs such as appraisal fees run about $500 to $700 and title insurance costs around $1,200 to $2,000. These figures are estimates and your actual costs will vary based on your loan size credit profile and the lender you choose. 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 are the FHA loan limits for Oklahoma City in 2025?
For 2025 the FHA loan limit for a single family home in Oklahoma County is $498,257. This limit applies to most areas in Oklahoma City and is set by the Department of Housing and Urban Development based on local median home prices.
Do I need a specific license to be an FHA loan specialist in Oklahoma?
Yes FHA loan specialists in Oklahoma must hold a valid mortgage loan originator license through the Nationwide Multistate Licensing System. They must also complete annual continuing education that includes Oklahoma specific lending laws such as the Oklahoma Secure and Fair Enforcement for Mortgage Licensing Act.
What credit score is required for an FHA loan in Oklahoma City?
The minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. Borrowers with a score between 500 and 579 may still qualify but must put down 10 percent. Local lenders in Oklahoma City may have their own overlay requirements that are slightly higher.