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Showing 2 fha loan specialists in Whitehouse, 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.
Capital Mortgage
15632 TX-110 Suite 15, Whitehouse, TX 75791
9038398899
Hunter Financial Services
329 Royal Cir, Whitehouse, TX 75791
8009609902
What Does a FHA Loan Specialist in Whitehouse Cost?
Typical costs for an FHA loan specialist in Texas include an origination fee of 1 to 2 percent of the loan amount, plus third-party fees for appraisal, credit report, and title services. In Whitehouse, total closing costs often range from 3,000 to 6,000 dollars for a 200,000 dollar home. These costs vary based on property value, loan size, and lender policies. 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 are the FHA loan limits for Whitehouse, Texas?
FHA loan limits in Smith County, where Whitehouse is located, are set by the Department of Housing and Urban Development. As of 2024, the limit for a single-family home is typically around $498,257 for high-cost areas, but this can vary by property type. A local specialist can confirm the exact limit for your situation.
What credit score is needed for an FHA loan in Texas?
FHA loans generally 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. Texas law does not impose additional credit score requirements beyond federal FHA guidelines.
Do Texas FHA loans require mortgage insurance?
Yes, all FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium paid monthly. In Texas, this insurance is required for the life of the loan if the down payment is less than 10 percent. A specialist can explain how this affects your monthly payment.