Compare FHA Loan Specialists in Coeur d'Alene, ID
Looking for a fha loan specialist in Coeur d'Alene? Review the directory below to compare your options.
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
State Mortgage Licensing Authority of Idaho before hiring.
Showing 20 fha loan specialists in Coeur d'Alene, ID
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FHA loan specialists in Coeur d'Alene help borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. Idaho follows federal FHA guidelines, and local specialists understand the unique housing market in Kootenai County. They can guide you through Idaho-specific property appraisal rules and closing procedures.
What Does a FHA Loan Specialist in Coeur d'Alene Cost?
Typical costs for FHA loan specialist services in Idaho include an origination fee of 0.5% to 1.0% of the loan amount and an upfront mortgage insurance premium of 1.75% of the base loan amount. Annual mortgage insurance premiums range from 0.45% to 1.05% depending on loan term and down payment. Additional costs may include appraisal fees of $500 to $700 and credit report fees of $30 to $50. 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 does an FHA loan specialist do in Coeur d'Alene?
An FHA loan specialist helps you complete the application process for a Federal Housing Administration loan. They review your credit, income, and assets to determine eligibility. They also coordinate with local appraisers and lenders to meet Idaho and FHA requirements.
What are the FHA loan limits for Coeur d'Alene Idaho?
For 2024 the FHA loan limit for a single-family home in Kootenai County is $498,257. This amount can change each year based on median home prices. A specialist can confirm the current limit for your specific property type.
Do I need a special license to be an FHA loan specialist in Idaho?
FHA loan specialists must hold a valid mortgage loan originator license through the Idaho Department of Finance. They must also complete continuing education courses each year. This ensures they follow both state and federal lending laws.