ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Find FHA Loan Specialists Near You in Ooltewah, TN
Browse fha loan specialists serving Ooltewah, Tennessee. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Ooltewah, 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 3 fha loan specialists in Ooltewah, 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.
Union Home Mortgage - Ooltewah
6085 Arbury Way #201, Ooltewah, TN 37363
4234734459
JoAnna Otero - Union Home Mortgage
6085 Arbury Way #201, Ooltewah, TN 37363
4235038548
FirstBank Mortgage
9217 Lee Hwy, Ooltewah, TN 37363
8002006462
An FHA loan specialist in Ooltewah Tennessee helps borrowers secure mortgages insured by the Federal Housing Administration. These loans are popular in Hamilton County due to lower down payment requirements and flexible credit guidelines. Tennessee law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System.
What Does a FHA Loan Specialist in Ooltewah Cost?
Typical costs for an FHA loan specialist in Tennessee include an upfront mortgage insurance premium of 1.75 percent of the loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and loan to value ratio. Closing costs in Ooltewah generally range from 3,000 to 5,000 dollars but vary by lender and property. 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 do in Ooltewah?
An FHA loan specialist guides borrowers through the FHA loan process including pre approval application and closing. They help determine eligibility based on Tennessee property limits and FHA guidelines. Specialists also assist with required documentation such as tax returns and bank statements.
What are the FHA loan limits for Ooltewah Tennessee?
For 2025 the FHA loan limit for a single family home in Hamilton County is 498,257 dollars. Higher limits apply for duplexes triplexes and four unit properties. These limits are set by the Department of Housing and Urban Development and may change annually.
Do I need a certain credit score for an FHA loan in Tennessee?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Individual lenders in Ooltewah may have their own credit requirements.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Ooltewah who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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 Tennessee.