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Directory of fha loan specialists in St. Charles, Illinois. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
St. Charles, 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 20 fha loan specialists in St. Charles, 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.
Team Hochberg
11 E Main St Office 106, St. Charles, IL 60174
8555632843
The Money Store: Carlos Villalon, Branch Manager
405 Illinois Ave #2c, St. Charles, IL 60174
8478096281
Steve Hendriksen - Mortgage Lender
11 E Main St Office 106, St. Charles, IL 60174
2176203894
Kelly DePauw - Mortgage Lender; First American Bank
The Mortgage Link- St. Charles, IL Steven Phras Branch
2320 Dean St # 106, St. Charles, IL 60175
8476306636
The Bukowski Mortgage Team - The Money Store
405 Illinois Ave #2c, St. Charles, IL 60174
6302543752
Guild Mortgage - Julie Parrilli
40w310 LaFox Rd c1, St. Charles, IL 60175
6309880094
Tracy Flanagan-Vice President Residential Lending-Green State Mortgage
3755 E Main St Suite #140, St. Charles, IL 60174
8889010026
Chris Hoss at CrossCountry Mortgage
116 E Main St #2n, St. Charles, IL 60174
6308840030
Guild Mortgage - Clarita Lage
40w310 LaFox Rd c1, St. Charles, IL 60175
6305249687
Telli Panagakis at CrossCountry Mortgage
116 E Main St, St. Charles, IL 60174
6302859300
Traci Emond - Guild Mortgage
40w310 LaFox Rd C-1, St. Charles, IL 60175
2248056482
Guild Mortgage - Claude Ehinger
40w310 LaFox Rd C-1, St. Charles, IL 60175
8473800094
The Hoss Team at CrossCountry Mortgage
116 E Main St, St. Charles, IL 60174
6308845000
Partners In Mortgage
1350 E Main St, St. Charles, IL 60174
6304439131
Guild Mortgage Company
40w310 LaFox Rd C-1, St. Charles, IL 60175
6303263630
Guild Mortgage - Alisa Glutz
40w310 LaFox Rd c1, St. Charles, IL 60175
4802066516
Mutual of Omaha Mortgage
104 S 2nd Ave, St. Charles, IL 60174
8004855364
An FHA loan specialist in St. Charles Illinois helps homebuyers navigate government backed mortgages with lower down payments. Illinois law requires all mortgage loan originators to be licensed through the Illinois Department of Financial and Professional Regulation. Specialists can guide you through FHA requirements including property condition standards and debt to income ratios specific to the local housing market.
What Does a FHA Loan Specialist in St. Charles Cost?
Typical costs for FHA loan services 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. Appraisal fees in St. Charles average 500 to 700 dollars. Closing costs total 3 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 does an FHA loan specialist do in St. Charles Illinois?
An FHA loan specialist helps you apply for a Federal Housing Administration insured loan. They review your credit score income and employment history to determine eligibility. They also explain Illinois specific closing costs and mortgage insurance requirements.
What are the FHA loan limits for St. Charles Illinois in 2025?
For 2025 the FHA loan limit for a single family home in Kane County including St. Charles is approximately $498,257. This limit is set by the Department of Housing and Urban Development and adjusts annually based on local median home prices.
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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.