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Find FHA Loan Specialists Near You in Middletown, RI
Compare fha loan specialists in Middletown. Review contact information and insurance categorys before you decide.
12 agents listed
Updated May 2026
Middletown, 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 12 fha loan specialists in Middletown, 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.
Embrace Home Loans - Middletown, RI
25 Enterprise Center, Middletown, RI 02842
8003333004
Matthew Kelly
47 Valley Rd, Middletown, RI 02842
4015789607
Noah Anacleto
1100 Aquidneck Ave, Middletown, RI 02842
4018474747
Anthony Desano - Mortgage Loan Officer
25 Enterprise Center, Middletown, RI 02842
4017875595
Patrick Ryan
1 Corporate Pl, Middletown, RI 02842
3344664856
Sako Boghossian
6 W Marlborough St, Middletown, RI 02842
4013524968
Michael Raffa - Mortgage Loan Officer
25 Enterprise Center, Middletown, RI 02842
4013443166
Jake McKay - Mortgage Loan Officer
25 Enterprise Center, Middletown, RI 02842
4014871000
Newport Mortgage LLC
55 John Clarke Rd Unit A16, Middletown, RI 02842
4014199771
Gina Lalli
6 W Marlborough St, Middletown, RI 02842
4012076507
Cam Stewart
6 W Marlborough St, Middletown, RI 02842
4018552526
Peter Cimaglia
6 W Marlborough St, Middletown, RI 02842
4014181571
An FHA loan specialist in Middletown, Rhode Island can help you navigate the process of securing a government-backed mortgage. Rhode Island law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Working with a local specialist ensures you understand state-specific property standards and closing procedures.
What Does a FHA Loan Specialist in Middletown Cost?
Typical costs for FHA loan specialist services in Rhode Island include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual MIP of 0.55 to 0.85 percent. Lender origination fees usually range from 1 to 2 percent of the loan. Closing costs in Rhode Island average 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 does an FHA loan specialist in Middletown do?
An FHA loan specialist guides you through the application process for a Federal Housing Administration insured loan. They help you check eligibility, gather documents, and connect with approved lenders. In Rhode Island, specialists often assist with first-time home buyer programs.
What are the FHA loan limits for Middletown Rhode Island?
For 2025, the FHA loan limit for a single-family home in Newport County including Middletown is $498,257. Higher limits apply for multi-unit properties. These limits are set annually by the Department of Housing and Urban Development.
Do I need a special license to be an FHA loan specialist in Rhode Island?
Yes. Rhode Island requires mortgage loan originators to hold a state license through the NMLS. They must also complete continuing education each year. This rule applies to anyone offering FHA loan services in Middletown.
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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.