Find FHA Loan Specialists Near You in Naperville, IL
Directory of fha loan specialists in Naperville, Illinois. Verify credentials with the state state mortgage licensing authority before hiring.
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 18 fha loan specialists in Naperville, 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 Naperville Cost?
FHA loan specialist fees in Illinois typically range from 500 to 1,500 dollars for origination and processing. The upfront mortgage insurance premium is 1.75 percent of the loan amount. Annual mortgage insurance premiums vary from 0.45 to 1.05 percent depending on loan term and down payment. Other costs include appraisal fees around 500 to 700 dollars and title services. 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 FHA loan limits for Naperville Illinois in 2025?
For DuPage County the FHA loan limit for a single family home is $498,257 in 2025. Higher limits apply for two to four unit properties. These limits are set by HUD and change annually based on median home prices.
What credit score is needed for an FHA loan in Illinois?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Individual lenders in Naperville may set higher minimums.
Are FHA loans assumable in Illinois?
Yes FHA loans are assumable by qualified buyers in Illinois. This means a new buyer can take over the existing FHA loan terms including the interest rate. The assumption process requires lender approval and a credit check.