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Find FHA Loan Specialists Near You in Cedar Falls, IA
Compare fha loan specialists in Cedar Falls. Review contact information and insurance categorys before you decide.
8 agents listed
Updated May 2026
Cedar Falls, IA
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 Iowa before hiring.
Showing 8 fha loan specialists in Cedar Falls, IA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Vine Valley Real Estate
808 E 18th St, Cedar Falls, IA 50613
3192495468
Scott Mueller - Mortgage Loan Originator
3621 Cedar Heights Dr, Cedar Falls, IA 50613
3195752470
Christine Rolf: NMLS#1801698 Mortgage Lender at Lincoln Savings Bank
302 Main St, Cedar Falls, IA 50613
3198744186
Angie Rael - Mortgage Loan Officer
3621 Cedar Heights Dr, Cedar Falls, IA 50613
3192365617
Stacey Reicherts - Mortgage Loan Originator
1050 Brandilynn Blvd, Cedar Falls, IA 50613
3192747591
U.S. Bank-Mortgage Loan Officer-Eric Meinders
222 Washington St, Cedar Falls, IA 50613
3192353254
Hard Money Lenders Cedar Falls IA
2512 White Tail Dr, Cedar Falls, IA 50613
3193201931
Eric Meinders-U.S. Bank Mortgage
6307 University Ave, Cedar Falls, IA 50613
3192353254
An FHA loan specialist in Cedar Falls, Iowa helps homebuyers navigate Federal Housing Administration insured loans. These loans often require a lower down payment and have flexible credit requirements. In Iowa, FHA loans must comply with state specific property condition standards and local appraisal rules in Black Hawk County.
What Does a FHA Loan Specialist in Cedar Falls Cost?
Typical costs for an FHA loan specialist in Iowa include an origination fee of 1 to 2 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Appraisal fees in Cedar Falls average $500 to $700. Closing costs generally 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 in Cedar Falls do?
An FHA loan specialist guides you through the FHA loan process from pre approval to closing. They help you understand Iowa specific requirements such as property eligibility and minimum property standards. They also assist with documentation for FHA mortgage insurance.
What are the down payment requirements for an FHA loan in Iowa?
FHA loans typically require a down payment of 3.5 percent of the purchase price. In Iowa, you may also use gift funds from family or approved sources for the down payment. The specialist will verify that your funds meet FHA and Iowa lending guidelines.
Are there income limits for FHA loans in Cedar Falls Iowa?
FHA loans do not have strict income limits but they require a stable income history. In Iowa, the loan amount is capped by county based on FHA lending limits. For Cedar Falls in Black Hawk County the 2024 limit for a single family home is $498,257.
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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 Iowa.