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Directory of fha loan specialists in Cary, Illinois. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Cary, IL
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 Illinois before hiring.
Showing 2 fha loan specialists in Cary, IL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Peace Mortgage Inc: Don Elbert, Mortgage Broker NMLS#285795
875 Feinberg Ct Ste 103, Cary, IL 60013
8476822011
FirstHomeBuyers
421 Wentworth Cir, Cary, IL 60013
8477214865
FHA loan specialists in Cary, Illinois help borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. Illinois law requires all mortgage loan originators to be licensed through the Illinois Department of Financial and Professional Regulation. These specialists guide Cary residents through the FHA loan process from pre-approval to closing.
What Does a FHA Loan Specialist in Cary Cost?
Typical costs for an FHA loan in Illinois include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Closing costs generally range from 2 to 5 percent of the purchase price. Lender origination fees vary but are often around 1 percent of the loan amount. 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 are the FHA loan limits for Cary Illinois?
For 2025 the FHA loan limit for a single-family home in McHenry County including Cary is $498,257. This limit applies to standard FHA loans and may be higher for duplexes or triplexes.
What credit score is needed for an FHA loan in Illinois?
The minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Some Illinois lenders may have higher overlays.
How long does an FHA loan closing take in Illinois?
FHA loan closings in Illinois typically take 30 to 45 days from application to closing. Delays can occur if the property needs repairs required by the FHA appraisal or if the borrower needs additional documentation.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Illinois.