Find FHA Loan Specialists Near You in Pocatello, ID
Directory of fha loan specialists in Pocatello, Idaho. Verify credentials with the state state mortgage licensing authority before hiring.
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 17 fha loan specialists in Pocatello, 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.
FHA loan specialists in Pocatello, Idaho help borrowers secure government-backed mortgages with lower down payments. Idaho law requires all mortgage loan originators to be licensed through the Idaho Department of Finance. Pocatello home buyers often use FHA loans due to the area competitive housing prices and first-time buyer programs.
What Does a FHA Loan Specialist in Pocatello Cost?
Typical costs for FHA loan services in Idaho include an upfront mortgage insurance premium of 1.75% of the loan amount and an annual premium of 0.55% to 0.85% depending on loan terms. Closing costs in Pocatello range from 2% to 5% of the purchase price. Lender fees vary but often include an origination fee of 0.5% to 1% of the loan. 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 are FHA loan limits in Pocatello Idaho?
For 2025, FHA loan limits in Bannock County are set by the Department of Housing and Urban Development. The standard limit for a single-family home is typically around $498,257 but can be higher in high-cost areas. A specialist can confirm the exact limit for your property.
Do I need a special license to be an FHA loan specialist in Idaho?
Yes, Idaho requires all mortgage loan originators to hold a state license through the Nationwide Multistate Licensing System. They must also complete annual continuing education on Idaho lending laws.
How long does an FHA loan approval take in Pocatello?
A typical FHA loan approval in Idaho takes 30 to 45 days from application to closing. Delays can occur if additional documentation is needed or if the property requires repairs under FHA minimum property standards.