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Showing 2 fha loan specialists in Garden City, ID
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Diversified Mortgage Group
7977 W Marigold St, Garden City, ID 83714
2088537878
Fairway Home Mortgage : Crystal Howard
9233 W State St Suite 1, Garden City, ID 83714
2089918869
What Does a FHA Loan Specialist in Garden City Cost?
Typical costs for an FHA loan specialist in Idaho include an origination fee of 1% to 1.5% of the loan amount, plus an upfront mortgage insurance premium of 1.75% of the loan. Annual mortgage insurance premiums range from 0.45% to 1.05% of the loan balance. Closing costs in Garden City average 2% to 5% of the purchase price. These costs vary based on credit score, loan size, and lender policies. 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 do in Garden City Idaho?
An FHA loan specialist guides borrowers through the FHA loan process, including credit checks, documentation, and property appraisal. They ensure the loan meets FHA guidelines and Idaho state lending laws. They also help with pre-approval and closing.
What are the FHA loan limits for Garden City Idaho in 2025?
For 2025, the FHA loan limit for a single-family home in Ada County, including Garden City, is $498,257. This limit applies to standard FHA loans and may be higher for high-cost areas. Check with a specialist for exact figures.
Are there Idaho-specific rules for FHA loans?
Yes, Idaho requires all mortgage loan originators to hold a valid state license. FHA loans in Idaho also follow federal guidelines, but local property taxes and insurance requirements may vary. Specialists must disclose all fees under Idaho law.