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Browse fha loan specialists serving Elsa, Texas. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Elsa, 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 3 fha loan specialists in Elsa, 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.
Sun Loan Company
512 E Edinburg Ave H, Elsa, TX 78543
9565672129
Security Finance
720 E Edinburg Ave Ste 1003, Elsa, TX 78543
9562626948
Atlas Credit Co., Inc.
311 W Edinburg Ave, Elsa, TX 78543
9562628200
An FHA loan specialist in Elsa, Texas can help you navigate the Federal Housing Administration loan process. These loans are popular in the Rio Grande Valley for their low down payment options and flexible credit requirements. Texas law requires all mortgage loan originators to be licensed through the Texas Department of Savings and Mortgage Lending.
What Does a FHA Loan Specialist in Elsa Cost?
Typical costs for an FHA loan in Texas include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.45 to 1.05 percent. Closing costs in Elsa generally range from 3 to 6 percent of the purchase price. These costs vary by lender, property value, and borrower qualifications. 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 credit score do I need for an FHA loan in Elsa?
Most FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Some lenders may accept scores between 500 and 579 with a 10 percent down payment. Each lender sets its own requirements within FHA guidelines.
Are there Texas-specific rules for FHA loans?
Yes, Texas has unique homestead laws that protect primary residences from creditors. FHA loans in Texas also follow state-specific property tax and insurance escrow rules. Your specialist can explain how these laws affect your loan.
How long does an FHA loan process take in Elsa?
The typical FHA loan process takes 30 to 45 days from application to closing. Delays can occur if additional documentation is needed or if the property requires repairs. Texas law requires a minimum three-day review period before closing.
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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.