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Compare fha loan specialists in Williamsburg. Review contact information and insurance categorys before you decide.
18 agents listed
Updated May 2026
Williamsburg, 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 18 fha loan specialists in Williamsburg, 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.
Ryan Lawrence – Loan Officer | Team Lawrence at Towne Mortgage
5208 Monticello Ave, Williamsburg, VA 23188
7574784720
Merit Mortgage Group LLC
1 Prestwick, Williamsburg, VA 23188
7577550206
Gail Burns Loan Officer with OVM with AnnieMac Mortgage
5388 Discovery Park Blvd STE 250, Williamsburg, VA 23188
7578699596
Stephanie Armistead, Movement Mortgage
4804 Courthouse St Ste 4B, Williamsburg, VA 23188
7573316018
Kevin Onizuk,
211 Bulifants Blvd STE E, Williamsburg, VA 23188
7576450196
Keith Freeland
4804 Courthouse St Ste 4B, Williamsburg, VA 23188
8043810856
Sylvia Hazelwood
4071 Ironbound Rd, Williamsburg, VA 23188
7576037459
NVR Mortgage Finance Inc
5400 Discovery Park Blvd, Williamsburg, VA 23188
7575654333
ALCOVA Mortgage | Williamsburg, VA
211 Bulifants Blvd STE E, Williamsburg, VA 23188
7576450196
David Elshanti - Movement Mortgage
4804 Courthouse St, Williamsburg, VA 23188
7579123364
Debbie Davis
7505 Richmond Rd Suite 3401, Williamsburg, VA 23188
7577132567
C&F Mortgage Corp
4780 Longhill Rd, Williamsburg, VA 23188
7579413707
Lendmark Financial Services LLC
6614 Mooretown Rd B, Williamsburg, VA 23188
7573786363
Susan DeMello Mortgage Loan Officer with RW Towne
5372 Discovery Park Blvd #101, Williamsburg, VA 23188
7033959129
Prosperity Home Mortgage LLC - Bradley Stevenson - NMLS 293018
5234 Monticello Ave, Williamsburg, VA 23188
7576088666
OVM with AnnieMac Home Mortgage
5388 Discovery Park Blvd STE 250, Williamsburg, VA 23188
7574192083
Johnson Mortgage Co
150 Strawberry Plains Rd STE C, Williamsburg, VA 23188
7575656400
Finance of America Mortgage LLC
123 Bulifants Blvd Suite #5, Williamsburg, VA 23188
7573450671
FHA loan specialists in Williamsburg Virginia help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. Virginia law requires all FHA loan originators to be licensed through the Nationwide Mortgage Licensing System. Williamsburg borrowers benefit from local specialists who understand the unique housing market in the Historic Triangle region.
What Does a FHA Loan Specialist in Williamsburg Cost?
Typical costs for FHA loan services in Virginia include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium between 0.45 and 1.05 percent. Closing costs in Williamsburg generally range from 2 to 5 percent of the purchase price. Lender origination fees vary but often fall between 0.5 and 1.5 percent of the loan amount. 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 Williamsburg Virginia in 2025?
For 2025 the FHA loan limit for a single-family home in Williamsburg Virginia is $498,257. This limit applies to James City County and York County. Higher limits may apply for multi-unit properties.
What credit score do I need for an FHA loan in Virginia?
The minimum credit score for an FHA loan in Virginia is 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may set higher requirements.
Are there Virginia-specific FHA loan requirements?
Virginia law requires FHA loan borrowers to complete a homeownership counseling course approved by the U.S. Department of Housing and Urban Development. The course typically takes 4 to 6 hours. Virginia also has specific property condition standards for FHA appraisals.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.