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Directory of fha loan specialists in Smithton, Illinois. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Smithton, 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 Smithton, 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.
Jason Chandler at Rate (NMLS #224322)
3981 IL-159 Unit 2, Smithton, IL 62285
6185515075
Rate
3981 IL-159 Unit 2, Smithton, IL 62285
6185515075
An FHA loan specialist in Smithton, Illinois can guide you through the process of obtaining a government-backed mortgage. These loans are popular in the St. Louis metro 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 Smithton Cost?
Typical costs for an FHA loan specialist in Illinois include an origination fee of 1% to 1.5% of the loan amount, plus an upfront mortgage insurance premium of 1.75% of the base loan amount. Annual mortgage insurance premiums range from 0.45% to 1.05% depending on loan terms. Closing costs in the Smithton area average 2% to 5% 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 does an FHA loan specialist in Smithton do?
An FHA loan specialist helps borrowers understand FHA loan requirements, such as minimum down payments and property standards. They assist with the application process and ensure compliance with Illinois lending laws.
What are the FHA loan limits for Smithton, Illinois?
FHA loan limits for Smithton follow the St. Louis metro area guidelines. In 2024, the standard limit for a single-family home is $498,257, though higher limits apply in high-cost areas. A specialist can confirm current limits for your situation.
Are there special FHA requirements for Illinois borrowers?
Illinois requires FHA loans to include a property inspection for lead-based paint if the home was built before 1978. Borrowers must also provide proof of Illinois residency and meet standard FHA credit and income guidelines.
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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.