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Looking for a fha loan specialist in O'Fallon? Review the directory below to compare your options.
15 agents listed
Updated May 2026
O'Fallon, 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 15 fha loan specialists in O'Fallon, 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.
Heights Finance
631 W Hwy 50, O'Fallon, IL 62269
6186281300
Chris Luebbers - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6188038214
Christopher Ryan Duncan - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6188068624
New American Funding - Jody Talick
813 W Hwy 50, O'Fallon, IL 62269
6187225233
New American Funding - Dave Hohe
813 W Hwy 50, O'Fallon, IL 62269
6184075564
Ryan Luechtefeld - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6185933608
Doug Shoemaker - Shoemaker Loan Team - Homestead Financial Mortgage
220 E State St, O'Fallon, IL 62269
6183076106
New American Funding - O'Fallon, IL
813 W Hwy 50, O'Fallon, IL 62269
6182161288
Cara Srogus at Rate (NMLS #1145645)
111A W State St, O'Fallon, IL 62269
6187793031
Jason Ashford - Delmar Mortgage - O'Fallon
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6189732971
Kent Schmitz - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6188307246
Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
8888668734
Gavin Petrea at CrossCountry Mortgage
1003 E Wesley Dr # C, O'Fallon, IL 62269
6185741832
Rate
111A W State St, O'Fallon, IL 62269
6185515075
Ken Sheehan - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6189735160
An FHA loan specialist in O'Fallon, Illinois helps homebuyers navigate FHA-insured mortgages, which are popular for their lower down payment requirements. Illinois law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. O'Fallon residents often use FHA loans for homes in St. Clair County, where property values vary widely.
What Does a FHA Loan Specialist in O'Fallon Cost?
Typical costs for an FHA loan specialist in Illinois include an origination fee of 1% of the loan amount, plus third-party fees for appraisal, credit report, and title services. The upfront mortgage insurance premium is 1.75% of the loan amount, and annual mortgage insurance premiums range from 0.45% to 1.05% depending on loan terms. Total closing costs in O'Fallon usually fall between 3% and 5% of the purchase price. 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 O'Fallon do?
An FHA loan specialist guides borrowers through the FHA loan process, from pre-approval to closing. They help verify that the property meets FHA minimum property standards and that the borrower qualifies under FHA guidelines. In Illinois, they also ensure compliance with state-specific disclosure laws.
What are the FHA loan limits for O'Fallon Illinois in 2025?
For 2025, the FHA loan limit for a single-family home in St. Clair County is $498,257 for standard loans. High-cost area limits may apply if the property is in a designated high-cost zone. These limits are set annually by the Department of Housing and Urban Development.
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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.