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Browse fha loan specialists serving La Grange, Kentucky. Contact information and addresses listed below.
2 agents listed
Updated May 2026
La Grange, KY
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 Kentucky before hiring.
Showing 2 fha loan specialists in La Grange, 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.
Bedford Loan & Deposit Bank
1010 New Moody Ln, La Grange, KY 40031
5022224546
Chris Hampton, Mortgage Lender with Stock Yards Bank & Trust
515 S 1st St, La Grange, KY 40031
5022228428
An FHA loan specialist in La Grange, Kentucky can help you navigate the process of securing a government-backed mortgage. Kentucky law requires all mortgage loan originators to be licensed through the Kentucky Department of Financial Institutions. Local specialists understand the unique housing market in Oldham County and can guide you through FHA loan limits and property requirements specific to the area.
What Does a FHA Loan Specialist in La Grange Cost?
Typical costs for an FHA loan specialist in Kentucky include an origination fee of 1 percent of the loan amount, an upfront mortgage insurance premium of 1.75 percent of the base loan amount, and an annual mortgage insurance premium of 0.55 percent to 0.85 percent. Appraisal fees in La Grange generally range from $500 to $700. Closing costs typically total 3 to 5 percent of the purchase price. This is general information, 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 La Grange, Kentucky in 2024?
For 2024, the FHA loan limit for a single-family home in Oldham County is $498,257. This limit applies to most areas in Kentucky and is set by the U.S. Department of Housing and Urban Development. Higher limits may apply for duplexes and multi-unit properties.
What credit score is needed for an FHA loan in Kentucky?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Borrowers with a credit score between 500 and 579 may still qualify but must make a 10 percent down payment. Kentucky lenders may have their own overlays that require a higher minimum score.
Are there any Kentucky-specific requirements for FHA loans?
Kentucky does not have state-specific FHA loan laws, but all mortgage loan originators must be licensed with the Kentucky Department of Financial Institutions. Additionally, Kentucky home buyers must complete a HUD-approved housing counseling course if they are first-time buyers using an FHA loan.
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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 Kentucky.