Compare FHA Loan Specialists in Post Falls, ID
Browse fha loan specialists serving Post Falls, Idaho. Contact information and addresses listed below.
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 8 fha loan specialists in Post Falls, 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.
What Does a FHA Loan Specialist in Post Falls Cost?
Typical costs for FHA loan services in Idaho include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual premium of 0.55 to 0.85 percent. Lender origination fees range from 0.5 to 1.5 percent of the loan. Appraisal fees in Post Falls average 500 to 700 dollars. Closing costs generally total 3 to 5 percent of the purchase price. 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 Post Falls do?
An FHA loan specialist helps you determine if you qualify for an FHA loan, guides you through the application process, and ensures compliance with Idaho and federal lending regulations. They review your credit, income, and property details to match you with the right loan program.
What are the minimum credit score requirements for an FHA loan in Idaho?
For an FHA loan in Idaho, the minimum credit score is typically 580 for a 3.5 percent down payment. If your score is between 500 and 579, you may still qualify with a 10 percent down payment. These requirements follow HUD guidelines and apply statewide.
Are there Idaho specific rules for FHA loan appraisals?
Yes, Idaho FHA appraisals must follow HUD guidelines but also consider local factors like well water and septic system inspections for rural properties. The appraiser checks for safety, soundness, and compliance with Idaho building codes. This is common for Post Falls homes on larger lots.