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Directory of fha loan specialists in Cumberland, Rhode Island. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Cumberland, RI
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 Rhode Island before hiring.
Showing 2 fha loan specialists in Cumberland, RI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Louis Ciccia, Mortgage Lender
2352 Mendon Rd unit 17, Cumberland, RI 02864
4015457704
Home Loan Investment Bank, FSB
2155 Diamond Hill Rd, Cumberland, RI 02864
4012582096
An FHA loan specialist in Cumberland Rhode Island can help you navigate the Federal Housing Administration loan process. Rhode Island law requires all mortgage loan originators to be licensed through the Rhode Island Department of Business Regulation. Working with a local specialist familiar with Cumberland home values and Rhode Island property tax rules can streamline your application.
What Does a FHA Loan Specialist in Cumberland Cost?
Typical costs for FHA loan specialist services in Rhode Island include an origination fee of 1 to 1.75 percent of the loan amount plus an upfront mortgage insurance premium of 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Additional costs may include appraisal fees around 500 to 700 dollars and credit report fees of 30 to 50 dollars. 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 does an FHA loan specialist do in Cumberland?
An FHA loan specialist guides you through the FHA loan application process including credit requirements down payment rules and property condition standards. They also help you understand Rhode Island specific rules such as the state's mortgage recording tax and property transfer tax.
What are the FHA loan limits for Cumberland Rhode Island?
For 2024 the FHA loan limit for a single family home in Providence County which includes Cumberland is 498257 dollars. This limit may change each year based on median home prices in the area.
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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 Rhode Island.