ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Find FHA Loan Specialists Near You in Oak Harbor, WA
Browse fha loan specialists serving Oak Harbor, Washington. Contact information and addresses listed below.
13 agents listed
Updated May 2026
Oak Harbor, WA
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 Washington before hiring.
Showing 13 fha loan specialists in Oak Harbor, WA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Envoy Mortgage - Oak Harbor, WA
520 E Whidbey Ave 107 & 111, Oak Harbor, WA 98277
3606394780
Peter DeVries with Epic Finance LLC Mortgage Brokers - Powered By Barrett Financial Group NMLS#181106
939 N Deer Park Ln, Oak Harbor, WA 98277
3607918064
Team Jackson Ozell & Julie Jackson
860 SE Bayshore Dr Suite 101, Oak Harbor, WA 98277
4255332473
Guild Mortgage - Josh Hansen
2824 N Torpedo Rd, Oak Harbor, WA 98277
9712228440
Julie Jackson
860 SE Bayshore Dr Suite 101, Oak Harbor, WA 98277
4255332473
Amy Shockley
860 SE Bayshore Dr Suite101, Oak Harbor, WA 98277
3609296586
PrimeLending
31650 State Rte 20, Oak Harbor, WA 98277
3606826307
Global Credit Union Home Loans | License #CL-157293
650 NE Midway Blvd #101, Oak Harbor, WA 98277
8007373033
James Hart
32785 State Rte 20 Suites 5 & 6, Oak Harbor, WA 98277
3608654292
Team Jackson, CMG Home Loans - Oak Harbor
860 SE Bayshore Dr Ste 101, Oak Harbor, WA 98277
4255332473
Tami Encinas
860 SE Bayshore Dr Suite101, Oak Harbor, WA 98277
3602796981
Guild Mortgage - Jacki Jacukowicz
32785 State Rte 20 Suites 5 & 6, Oak Harbor, WA 98277
3606756106
Tina Silveira
860 SE Bayshore Dr Suite101, Oak Harbor, WA 98277
3602796982
An FHA loan specialist in Oak Harbor, Washington helps borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. Washington state law requires all mortgage loan originators to be licensed through the Department of Financial Institutions. Oak Harbor, located on Whidbey Island, offers unique local housing market conditions that a specialist can help navigate.
What Does a FHA Loan Specialist in Oak Harbor Cost?
Typical costs for an FHA loan specialist in Washington include an origination fee of 1% to 1.5% of the loan amount, plus third-party fees for appraisal, credit report, and title services. These third-party fees range from $500 to $1,500. The FHA requires an upfront mortgage insurance premium of 1.75% of the loan amount, which can be financed into the loan. Monthly mortgage insurance premiums also apply. Costs vary by situation. 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 Oak Harbor do?
An FHA loan specialist guides borrowers through the FHA loan process, from pre-approval to closing. They help determine eligibility, gather required documents, and ensure the loan meets Washington state and federal guidelines. Specialists also explain local property value trends in Oak Harbor.
What are the FHA loan limits for Oak Harbor, Washington?
For 2025, the FHA loan limit for a single-family home in Island County, including Oak Harbor, is $498,257. This limit is set by the U.S. Department of Housing and Urban Development and may change annually. Higher limits apply for multi-unit properties.
Are there Washington-specific requirements for FHA loans?
Yes, Washington requires all mortgage loan originators to be licensed and bonded. Additionally, FHA loans in Washington must comply with state escrow and closing laws, including a three-day right of rescission for refinances. Local property inspections may also be required.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Oak Harbor who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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 Washington.