Find FHA Loan Specialists in Charleston, SC
Compare fha loan specialists in Charleston. Review contact information and insurance categorys before you decide.
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 South Carolina before hiring.
Showing 20 fha loan specialists in Charleston, SC
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 Charleston Cost?
Typical costs for an FHA loan specialist in South Carolina 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 depending on loan term and loan to value ratio. Appraisal fees in Charleston average $500 to $700. Closing costs typically 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 Charleston South Carolina in 2025?
For 2025 the FHA loan limit for a single family home in Charleston County is $498,257. High cost areas may have higher limits. A specialist can confirm the exact limit for your property type.
What credit score do I need for an FHA loan in South Carolina?
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 qualify with a 10 percent down payment. Each lender may set higher requirements.
Are there South Carolina specific requirements for FHA loans?
South Carolina requires a state specific mortgage disclosure and a 30 day right of rescission for refinances. The state also has a statute of limitations of three years for mortgage fraud claims. Your specialist will explain all state disclosures.