Find FHA Loan Specialists Near You in Harvard, IL
Browse fha loan specialists serving Harvard, Illinois. 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 Illinois before hiring.
Showing 4 fha loan specialists in Harvard, 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.
What Does a FHA Loan Specialist in Harvard Cost?
Typical costs for an FHA loan specialist in Illinois include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 to 0.85 percent. Lender origination fees range from 0.5 to 1.5 percent of the loan amount. Appraisal fees in the Harvard area are usually 400 to 700 dollars. Closing costs generally total 2 to 5 percent of the purchase price. 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 Harvard Illinois?
FHA loan limits for Harvard Illinois follow the standard limits for McHenry County. As of 2025 the single family home limit is typically around $498,257. Limits may vary based on property type and local housing market data.
Do I need a specific credit score for an FHA loan in Illinois?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Illinois lenders may have their own overlay requirements. A score between 500 and 579 may still qualify with a 10 percent down payment.
What documents do I need to apply for an FHA loan in Harvard?
You will need recent pay stubs W-2 forms tax returns bank statements and a valid ID. Illinois law also requires proof of residency or citizenship. Self employed borrowers must provide additional profit and loss statements.