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Find FHA Loan Specialists Near You in Thornton, CO
Looking for a fha loan specialist in Thornton? Review the directory below to compare your options.
5 agents listed
Updated May 2026
Thornton, CO
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 Colorado before hiring.
Showing 5 fha loan specialists in Thornton, CO
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Wynn & Eagan Team at NEO Home Loans
12412 York St Office #7, Thornton, CO 80241
8882312444
Land Above Ground Realty & Mortgage
14251 Dahlia St, Thornton, CO 80602
7207752718
Lockstep Mortgage LLC
12412 York St, Thornton, CO 80241
3033017191
Montis Lending Group
500 E 84th Ave, Thornton, CO 80229
7205915231
Bestrates Mortgage: Dan Phillips Home Loans
2081 E 129th Dr, Thornton, CO 80241
3039099690
FHA loan specialists in Thornton Colorado help homebuyers secure government-backed mortgages with lower down payments. Colorado law requires all mortgage loan originators to be licensed through the Division of Real Estate. Thornton residents often use FHA loans for homes in Adams County with flexible credit requirements.
What Does a FHA Loan Specialist in Thornton Cost?
Typical costs for FHA loan services in Colorado include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual MIP of 0.45 to 1.05 percent. Appraisal fees range from 500 to 700 dollars. Origination fees vary by lender but often total 1 to 2 percent of the loan. 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 is an FHA loan and how does it work in Thornton Colorado?
An FHA loan is a mortgage insured by the Federal Housing Administration. In Thornton Colorado, these loans allow down payments as low as 3.5 percent for qualified buyers. The loan must meet FHA property standards and local building codes.
What are the income and credit requirements for an FHA loan in Thornton?
FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers must have a debt-to-income ratio below 43 percent. Colorado law does not add extra income requirements beyond federal FHA guidelines.
How long does the FHA loan process take in Thornton Colorado?
The typical FHA loan process in Thornton takes 30 to 45 days from application to closing. Colorado law requires a three-day right of rescission after signing loan documents. Delays can occur if the property needs FHA-required repairs.
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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 Colorado.