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Showing 3 fha loan specialists in Cold Spring, KY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Prost Mortgage Group
4135 Alexandria Pike SUITE 105, Cold Spring, KY 41076
8597951316
Brian Schalk Mortgage Loan Officer
4135 Alexandria Pike SUITE 105, Cold Spring, KY 41076
8593094900
US Bank Mortgage
5400 Alexandria Pike, Cold Spring, KY 41076
8594484400
What Does a FHA Loan Specialist in Cold Spring Cost?
Typical costs for FHA loan specialist services in Kentucky include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual premium of 0.55 to 0.85 percent. Origination fees range from 0.5 to 1.5 percent of the loan. 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 is an FHA loan specialist in Cold Spring?
An FHA loan specialist is a licensed professional who guides borrowers through the FHA loan process, including pre-approval, documentation, and closing. They help you meet the Federal Housing Administration requirements and Kentucky state lending regulations.
What are the FHA loan limits for Cold Spring Kentucky?
For 2025, FHA loan limits for a single-family home in Campbell County, including Cold Spring, are 498,257 dollars for standard loans. High-cost area limits may apply if the property qualifies. Your specialist can confirm current limits.
Do I need a down payment for an FHA loan in Kentucky?
FHA loans typically require a minimum down payment of 3.5 percent of the purchase price if your credit score is 580 or higher. Borrowers with scores between 500 and 579 may need a 10 percent down payment. Kentucky first-time homebuyer programs may offer additional assistance.