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Compare fha loan specialists in Pharr. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Pharr, 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 2 fha loan specialists in Pharr, 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.
Edgar Hernandez | Branch Manager | Primary Residential Mortgage, Inc.
3900 N Jackson Rd Suite 105, 108, 115, Pharr, TX 78577
9564577498
Primary Residential Mortgage, Inc.
3900 N Jackson Rd 108, 115, Pharr, TX 78577
9564911737
FHA loan specialists in Pharr Texas help homebuyers secure government backed mortgages with lower down payments and flexible credit requirements. These professionals guide clients through the FHA loan process which is popular in the Rio Grande Valley due to its accessibility. Texas law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Pharr Cost?
Typical costs for an FHA loan specialist in Texas include an origination fee of 1% to 1.5% of the loan amount plus third party fees for appraisal credit report and title services. Total closing costs for a $200,000 FHA loan in Pharr can range from $6,000 to $10,000. The FHA requires a 3.5% down payment for borrowers with a credit score of 580 or higher. 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 Pharr do?
An FHA loan specialist helps you apply for a Federal Housing Administration insured mortgage. They review your finances, explain FHA requirements like the 3.5% minimum down payment, and guide you through the approval process in Pharr Texas.
What are the FHA loan limits for Pharr Texas?
For 2025 the FHA loan limit for a single family home in Hidalgo County which includes Pharr is $498,257. Limits are higher for multi unit properties and are updated annually by the Department of Housing and Urban Development.
Do FHA loans require private mortgage insurance in Texas?
FHA loans require an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual MIP that varies from 0.15% to 0.75% depending on loan term and down payment. This insurance protects the lender and is required for the life of the loan in most cases.
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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.