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Directory of fha loan specialists in Atoka, Tennessee. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Atoka, TN
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 Tennessee before hiring.
Showing 2 fha loan specialists in Atoka, TN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
American Mortgage Services Inc.
171 Wesley-Reed Dr, Atoka, TN 38004
9018401400
Leaders Credit Union- Mortgage Services
10992 US-51 Ste 100, Atoka, TN 38004
7316641784
FHA loan specialists in Atoka Tennessee help homebuyers secure government-backed mortgages with lower down payments and flexible credit standards. Tennessee law requires all mortgage loan originators to be licensed through the Department of Financial Institutions. Local specialists understand the Atoka real estate market and can guide you through FHA loan limits and property requirements specific to Tipton County.
What Does a FHA Loan Specialist in Atoka Cost?
Typical costs for FHA loan services in Tennessee include an upfront mortgage insurance premium of 1.75% of the loan amount and an annual premium of 0.55% to 0.85% depending on loan term and down payment. Origination fees range from 0.5% to 1.0% of the loan amount. Appraisal fees in Atoka usually cost $500 to $700. Credit report fees are about $30 to $50. Costs vary by lender and your specific financial situation. 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 Atoka do?
An FHA loan specialist helps you apply for a Federal Housing Administration insured mortgage. They review your credit, income, and debt to determine eligibility and guide you through the approval process in Atoka Tennessee.
What are the FHA loan limits for Atoka Tennessee?
For 2025, the FHA loan limit for a single-family home in Tipton County is $498,257. This amount can change annually based on the local median home price. Your specialist can confirm the current limit for your specific loan size.
Do I need a special license to work with an FHA loan specialist in Tennessee?
Yes. In Tennessee, all mortgage loan originators must hold a valid license from the Tennessee Department of Financial Institutions or be registered with the Nationwide Multistate Licensing System. This ensures they meet state training and background check requirements.
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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 Tennessee.