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Compare fha loan specialists in Payson. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Payson, UT
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 Utah before hiring.
Showing 3 fha loan specialists in Payson, UT
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Team USA Mortgage
1675 W 200 S, Payson, UT 84651
8018859679
Innovative Mortgage Alliance LLC - Payson Branch
764 E 100 N, Payson, UT 84651
8017871232
US Bank Mortgage
632 S 100 W, Payson, UT 84651
8014658275
An FHA loan specialist in Payson, Utah helps homebuyers navigate government-backed mortgages with lower down payments and flexible credit requirements. Utah law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Payson residents often use FHA loans for single-family homes, condos, and townhouses in Utah County.
What Does a FHA Loan Specialist in Payson Cost?
Typical costs for an FHA loan in Utah include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, plus an annual mortgage insurance premium (MIP) ranging from 0.45 to 1.05 percent depending on loan term and down payment. Closing costs in Payson generally range from 2 to 5 percent of the purchase price, including appraisal fees (around $500 to $700), title insurance, and lender fees. 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 Payson, Utah?
For 2025, FHA loan limits in Utah County including Payson are $498,257 for a single-family home. Higher limits apply for duplexes, triplexes, and fourplexes. These limits are set by the Department of Housing and Urban Development (HUD) and may change annually.
What credit score do I need for an FHA loan in Payson?
FHA loans 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. Utah lenders may have overlays requiring higher scores, so check with a specialist.
Are there Utah-specific rules for FHA loans?
Utah follows standard FHA guidelines but requires all mortgage loan originators to be licensed through the NMLS. Utah also has specific property disclosure laws that affect FHA appraisals, including requirements for radon testing and septic system inspections in rural areas like Payson.
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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 Utah.