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Browse fha loan specialists serving Chester, Virginia. Contact information and addresses listed below.
4 agents listed
Updated May 2026
Chester, VA
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 Virginia before hiring.
Showing 4 fha loan specialists in Chester, VA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mariner Finance
12654 Rte 1, Chester, VA 23831
8044140350
Truist
12840 Rte 1, Chester, VA 23831
8047485052
Trinity Mortgage Group, LLC
116 Scrimshaw Dr, Chester, VA 23836
8046909264
Commonwealth Mortgage Inc
3740 W Hundred Rd, Chester, VA 23831
8047689519
FHA loan specialists in Chester, Virginia help homebuyers navigate FHA insured mortgages. These loans are popular in Virginia due to lower down payment requirements and flexible credit guidelines. Local specialists understand Virginia specific property appraisal rules and can guide you through the state required disclosures.
What Does a FHA Loan Specialist in Chester Cost?
Typical costs for an FHA loan specialist in Virginia include an upfront mortgage insurance premium of 1.75 percent of the loan amount, which can be financed into the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and down payment. Lender origination fees vary but often range from 0.5 to 1.0 percent of the loan amount. Closing costs in Virginia typically total 2 to 5 percent of the purchase price. 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 Chester Virginia?
For 2024, the FHA loan limit for a single family home in Chester, Virginia is $498,257. This limit applies to Chesterfield County and follows standard FHA floor limits. Higher limits may apply for multi unit properties.
What credit score is needed for an FHA loan in Virginia?
FHA loans in Virginia typically 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. Each lender may have its own overlay requirements.
Are there Virginia specific requirements for FHA loans?
Virginia requires a home inspection disclosure and a residential property disclosure statement for all residential sales. FHA loans also require an appraisal by a FHA approved appraiser. Virginia law does not impose additional state specific FHA loan restrictions beyond federal guidelines.
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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 Virginia.