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Looking for a fha loan specialist in Chatham? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Chatham, 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 7 fha loan specialists in Chatham, 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.
United Community Bank
301 N Main, Chatham, IL 62629
2174832491
Bank & Trust Company
10 Plummer Blvd, Chatham, IL 62629
2174833343
Julie Hale Miller - COUNTRY Financial Representative
120 W Walnut St, Chatham, IL 62629
2174834355
Kelly Sullivan - Mutual of Omaha
1209 N Main Ste B, Chatham, IL 62629
2174839460
BOS Chatham Banking Center
1140 Commercial Ct, Chatham, IL 62629
2174836666
Edward Jones - Financial Advisor: Adam W Liesman
320 N Main Suite B, Chatham, IL 62629
2179099875
Dunn Financial Services
1475 Plummer Blvd, Chatham, IL 62629
2174831181
FHA loan specialists in Chatham, Illinois help homebuyers navigate Federal Housing Administration loans. These loans are popular in Sangamon County for their lower down payment requirements. Illinois law requires all mortgage loan originators to be licensed through the Illinois Department of Financial and Professional Regulation.
What Does a FHA Loan Specialist in Chatham Cost?
Typical costs for an FHA loan specialist in Illinois include an origination fee of 1 percent of the loan amount, plus third-party fees for appraisal and credit report. The upfront mortgage insurance premium is 1.75 percent of the loan amount, which can be rolled into the loan. Monthly mortgage insurance premiums vary based on loan term and down payment. 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 Chatham do?
An FHA loan specialist guides you through the FHA loan process, from pre-approval to closing. They help you understand FHA requirements, such as the 3.5 percent minimum down payment and the upfront mortgage insurance premium. They also ensure your loan meets Illinois state lending regulations.
What are the FHA loan limits for Chatham Illinois?
FHA loan limits for Sangamon County, which includes Chatham, are set annually by the Department of Housing and Urban Development. For 2024, the limit for a single-family home is typically around $498,257. A specialist can confirm the current limit for your specific property type.
Do I need a special license for FHA loans in Illinois?
Yes, any mortgage loan originator in Illinois must hold a valid license from the Illinois Department of Financial and Professional Regulation. This includes FHA loan specialists. You can verify a specialists license through the NMLS Consumer Access website.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.