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Directory of fha loan specialists in Roscoe, Illinois. Verify credentials with the state mortgage licensing authority before hiring.
11 agents listed
Updated May 2026
Roscoe, 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 11 fha loan specialists in Roscoe, 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.
Envoy Mortgage - Rockford, IL
4761 Bluestem Rd, Roscoe, IL 61073
8157131003
Jessica Rielly - Envoy Mortgage Rockford
4761 Bluestem Rd, Roscoe, IL 61073
8159970149
Sarah Spradlin - Stateline Lender with Envoy Mortgage
4761 Bluestem Rd, Roscoe, IL 61073
8157213103
CBI Bank & Trust - Roscoe Office
5206 Elevator Rd, Roscoe, IL 61073
8156817362
Midland States Bank
5023 Rockrose Ct, Roscoe, IL 61073
8156233344
Envoy Mortgage - Roscoe, IL
4761 Bluestem Rd, Roscoe, IL 61073
8153154067
Shane Hartje - Envoy Mortgage
4761 Bluestem Rd, Roscoe, IL 61073
8157425323
Fidelity Mortgage Inc of Il
11415 Main St # 100, Roscoe, IL 61073
8156238887
Kristie Sullivan - Envoy Mortgage
4761 Bluestem Rd, Roscoe, IL 61073
8153786962
Chase Home Lending
11440 Main St, Roscoe, IL 61073
7025459301
First Step Mortgage Group Inc
10039 Bitterroot Rd #4, Roscoe, IL 61073
8152700717
An FHA loan specialist in Roscoe Illinois can guide you through the process of obtaining a government-backed mortgage insured by the Federal Housing Administration. These loans are popular in the Rockford area for first-time homebuyers 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 Roscoe Cost?
Typical costs for an FHA loan specialist in Illinois include an origination fee of 0.5 to 1.0 percent of the loan amount. Upfront mortgage insurance premium is 1.75 percent of the loan amount, and annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and down payment. Appraisal fees in the Roscoe area usually run 400 to 700 dollars. 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 is an FHA loan and who should use one in Roscoe?
An FHA loan is a mortgage insured by the Federal Housing Administration that allows lower down payments and credit score requirements. It is a good option for Roscoe homebuyers who have limited savings or less than perfect credit. Borrowers must meet standard FHA guidelines and the property must pass an FHA appraisal.
What are the down payment requirements for an FHA loan in Illinois?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price if your credit score is 580 or higher. If your score is between 500 and 579, you may need a 10 percent down payment. These requirements are set by HUD and apply uniformly across Illinois including Roscoe.
Are there any Illinois-specific rules for FHA loan specialists?
Yes, Illinois requires all mortgage loan originators to be licensed and registered with the Nationwide Multistate Licensing System. Loan specialists must also complete continuing education each year. Additionally, Illinois has specific laws about loan officer compensation and disclosure requirements.
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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.