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Directory of fha loan specialists in Chillicothe, Illinois. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Chillicothe, 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 Chillicothe, 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.
Cam Parr - COUNTRY Financial Representative
421 N 4th St, Chillicothe, IL 61523
3092748813
Edward Jones - Financial Advisor: Matthew D Kenady, CFP®|AAMS®
916 N 2nd St, Chillicothe, IL 61523
3092370636
An FHA loan specialist in Chillicothe Illinois helps home buyers navigate Federal Housing Administration loans. These loans are popular in the Peoria County area for first-time buyers and those with lower credit scores. 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 Chillicothe Cost?
Typical costs for an FHA loan specialist in Illinois include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Third party costs such as appraisal and title fees add another $2,000 to $4,000. 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 does an FHA loan specialist in Chillicothe do?
An FHA loan specialist guides borrowers through the FHA loan process from pre approval to closing. They help determine eligibility based on credit score and debt to income ratio. They also explain Illinois specific property requirements such as minimum property standards.
What are the FHA loan limits for Chillicothe Illinois?
For 2025 the FHA loan limit for a single family home in Peoria County is $498,257. This amount is set by the Department of Housing and Urban Development and applies to standard FHA loans. Higher limits may apply for duplexes or larger properties.
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 a score between 500 and 579 may qualify with a 10 percent down payment. Illinois lenders may have their own overlays that require a higher score.
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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.