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Browse fha loan specialists serving Derby, Kansas. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Derby, KS
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 Kansas before hiring.
Showing 2 fha loan specialists in Derby, KS
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FHA loan specialists in Derby Kansas help homebuyers secure mortgages insured by the Federal Housing Administration. These loans are popular in Sedgwick County due to lower down payment requirements and flexible credit guidelines. Kansas law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System which ensures borrowers work with qualified professionals.
What Does a FHA Loan Specialist in Derby Cost?
Typical costs for an FHA loan in Kansas include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent to 0.85 percent depending on loan term and down payment. Closing costs in Derby usually range from 2 to 5 percent of the purchase price. Lender origination fees vary but often fall between 0.5 and 1.0 percent of the loan amount. 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 are the FHA loan limits for Derby Kansas?
For 2025 the FHA loan limit for a single family home in Sedgwick County is $498,257. This limit applies to Derby and surrounding areas. Higher limits may apply for multi unit properties.
What credit score is needed for an FHA loan in Kansas?
Most FHA lenders in Kansas require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may have their own overlays.
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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 Kansas.