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Compare fha loan specialists in Baytown. Review contact information and insurance categorys before you decide.
8 agents listed
Updated May 2026
Baytown, TX
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 Texas before hiring.
Showing 8 fha loan specialists in Baytown, TX
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An FHA loan specialist in Baytown Texas helps homebuyers secure government-backed mortgages with lower down payments. Texas law requires all mortgage loan originators to be licensed through the Texas Department of Savings and Mortgage Lending. Baytown residents often use FHA loans to purchase homes in Harris County or surrounding areas with flexible credit requirements.
What Does a FHA Loan Specialist in Baytown Cost?
Typical costs for FHA loan services in Texas 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. Lender origination fees range from 0.5% to 1.5% of the loan amount. Appraisal fees in Baytown average $500 to $700. Closing costs generally total 3% to 5% 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 Baytown do?
An FHA loan specialist guides borrowers through the FHA loan process including pre-approval document collection and underwriting. They ensure the loan meets FHA guidelines and Texas state regulations. They also help calculate mortgage insurance premiums and down payment requirements.
What are the FHA loan limits for Baytown Texas?
For 2024 the FHA loan limit for a single-family home in Harris County including Baytown is $498,257. Higher limits apply for multi-unit properties. These limits are set by the U.S. Department of Housing and Urban Development and adjusted annually.
Do I need a specific license to work as an FHA loan specialist in Texas?
Yes all mortgage loan originators in Texas must hold a valid license through the Nationwide Multistate Licensing System and be registered with the Texas Department of Savings and Mortgage Lending. This ensures compliance with Texas Finance Code Chapter 156 and federal SAFE Act 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 Texas.