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Directory of fha loan specialists in DeSoto, Texas. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
DeSoto, 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 5 fha loan specialists in DeSoto, TX
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Cash Store
1240 W Belt Line Rd A, DeSoto, TX 75115
9722742754
Tower Loan
1120 E Pleasant Run Rd Ste 407, DeSoto, TX 75115
4699621111
LTI Mortgage / Hybrid Agent Homes
1801 N Hampton Rd #458, DeSoto, TX 75115
2149152016
Heights Finance
1510 N Hampton Rd Suite 200, DeSoto, TX 75115
9722689830
Chase Home Lending
900 N Polk St #100, DeSoto, TX 75115
8043883935
An FHA loan specialist in DeSoto, Texas can help you navigate the Federal Housing Administration loan process. These loans are popular in the Dallas-Fort Worth metroplex due to lower down payment requirements and flexible credit guidelines. Texas law requires all mortgage loan originators to be licensed through the Texas Department of Savings and Mortgage Lending, ensuring a standard of professionalism.
What Does a FHA Loan Specialist in DeSoto Cost?
Typical costs for an FHA loan specialist in Texas include an origination fee of 1 to 2 percent of the loan amount. Upfront mortgage insurance premium (UFMIP) is 1.75 percent of the loan, and annual mortgage insurance premiums range from 0.45 to 1.05 percent. Closing costs in DeSoto average 3 to 5 percent of the purchase price. This is general information, 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 DeSoto?
An FHA loan specialist guides borrowers through the FHA loan application process. They help with credit requirements, property eligibility, and documentation specific to Texas. They also ensure the loan meets FHA guidelines and local property standards.
What are the credit score requirements for an FHA loan in Texas?
FHA loans in Texas 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. Each lender may have additional requirements.
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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 Texas.