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Directory of fha loan specialists in Red Oak, Texas. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Red Oak, 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 Red Oak, 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.
Trinity Oaks Mortgage
421 Century Way #100, Red Oak, TX 75154
4695054663
Supreme Lending- The Statewide Group
200 N Interstate 35 E Rd, Red Oak, TX 75154
4694374366
An FHA loan specialist in Red Oak Texas can help you navigate the Federal Housing Administration loan process. These loans are popular in Ellis County due to lower down payment requirements and flexible credit guidelines. Texas law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Red Oak Cost?
Typical costs for an FHA loan in Texas include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual MIP of 0.55 percent to 0.85 percent. Closing costs in the Red Oak area generally range from 2 to 5 percent of the purchase price. Appraisal fees for FHA loans in Ellis County are usually between $500 and $700. 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 are the FHA loan limits for Red Oak Texas?
For 2025, the FHA loan limit for a single family home in Ellis County is $498,257. This limit applies to most areas in the Dallas Fort Worth metroplex region including Red Oak.
What credit score is needed for an FHA loan in Texas?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but must put down at least 10 percent.
How long does the FHA loan process take in Red Oak?
The typical FHA loan process in Texas takes 30 to 45 days from application to closing. This timeline can vary based on appraisal scheduling and document processing.
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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.