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Showing 2 fha loan specialists in Centerville, UT
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Assured Mortgage Company
151 W 1700 N, Centerville, UT 84014
8012947850
Tori Larson - Mortgage Loan Officer - Mountain America Credit Union
298 N Marketplace Dr, Centerville, UT 84014
8016636048
What Does a FHA Loan Specialist in Centerville Cost?
Typical costs for an FHA loan in Utah include an upfront mortgage insurance premium of 1.75% of the loan amount and an annual premium of 0.55% to 0.85%. Closing costs generally range from 2% to 5% of the purchase price. For a $400,000 home, this means upfront costs of $7,000 plus $8,000 to $20,000 in closing costs. Costs vary by lender and borrower credit profile. 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 in Centerville do?
An FHA loan specialist guides borrowers through the FHA loan process, including pre-approval, documentation, and closing. They ensure the loan meets FHA guidelines and Utah state lending laws. They also help with property eligibility and appraisal requirements.
What are the FHA loan limits for Centerville Utah?
For 2025, the FHA loan limit for a single-family home in Davis County, including Centerville, is $498,257. This limit can change annually based on median home prices. Borrowers should confirm current limits with a specialist.
How long does the FHA loan process take in Utah?
The typical FHA loan process in Utah takes 30 to 45 days from application to closing. Delays can occur if additional documentation is needed or if the property requires repairs. Utah law requires a three-day right of rescission for refinances.