Find FHA Loan Specialists Near You in Hayden, ID
Compare fha loan specialists in Hayden. Review contact information and insurance categorys before you decide.
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 4 fha loan specialists in Hayden, ID
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What Does a FHA Loan Specialist in Hayden Cost?
FHA loan costs in Idaho include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, and an annual mortgage insurance premium (MIP) ranging from 0.45 to 1.05 percent depending on loan term and down payment. Closing costs in Hayden typically range from 2 to 5 percent of the purchase price. Lender fees vary by institution. 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 Hayden do?
An FHA loan specialist helps you determine if you qualify for an FHA loan, guides you through the application process, and ensures your loan meets FHA and Idaho specific requirements. They also help with property condition standards and appraisal rules.
What are the credit score requirements for an FHA loan in Idaho?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Idaho lenders may have overlays that require higher scores.
Are there Idaho specific rules for FHA loans on manufactured homes?
Yes. In Idaho, manufactured homes must meet FHA foundation requirements and be classified as real property. The home must be built after June 15, 1976, and the land must be owned by the borrower. Local specialists can help with these rules.