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Directory of fha loan specialists in Nitro, West Virginia. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Nitro, WV
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 West Virginia before hiring.
Showing 2 fha loan specialists in Nitro, WV
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Peoples Federal Credit Union
419 1st Ave S, Nitro, WV 25143
3047222274
Huntington Bank
1905 1st Ave, Nitro, WV 25143
3047558101
FHA loan specialists in Nitro, West Virginia help borrowers qualify for government-backed mortgages with lower down payments and flexible credit requirements. West Virginia law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand the housing market in Nitro and surrounding areas like Charleston and St. Albans.
What Does a FHA Loan Specialist in Nitro Cost?
Typical costs for FHA loan services in West Virginia include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual mortgage insurance premiums of 0.45 to 1.05 percent. Closing costs generally range from 2 to 5 percent of the purchase price. Lender fees vary but often fall between 500 and 1,500 dollars. 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 requirements in West Virginia?
FHA loans require a minimum 3.5 percent down payment for borrowers with a credit score of 580 or higher. The property must meet FHA appraisal standards and be your primary residence. West Virginia has no state-specific FHA loan limits that differ from federal limits.
How do I find a qualified FHA loan specialist in Nitro?
You can search the Nationwide Multistate Licensing System database to verify a loan originators license. Look for specialists who have experience with FHA loans in West Virginia and who are familiar with local property values in Kanawha and Putnam counties.
What documents do I need for an FHA loan in West Virginia?
You will need recent pay stubs, W-2 forms, tax returns from the last two years, bank statements, and proof of any additional income. West Virginia law does not require extra documentation beyond federal FHA guidelines.
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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 West Virginia.