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Compare fha loan specialists in Nicholasville. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Nicholasville, 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 Nicholasville, 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.
World Finance
1029 N Main St, Nicholasville, KY 40356
8598878008
Brian Kegley - PNC Mortgage Loan Officer (NMLS #575129)
850 N Main St, Nicholasville, KY 40356
8598062004
An FHA loan specialist in Nicholasville, Kentucky helps homebuyers secure loans insured by the Federal Housing Administration. These loans often require a lower down payment and have flexible credit standards. Kentucky law does not impose additional state-specific FHA requirements, but local property taxes and insurance costs can affect your loan terms.
What Does a FHA Loan Specialist in Nicholasville Cost?
Typical costs for an FHA loan in Kentucky include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, plus an annual mortgage insurance premium (MIP) of 0.55% to 0.85% depending on loan term and loan-to-value ratio. Closing costs in Nicholasville generally range from 2% to 5% of the purchase price, including appraisal fees (around $500 to $700), title insurance, and lender fees. These costs vary by lender and property. 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 minimum credit score requirements for an FHA loan in Nicholasville?
The standard minimum credit score for an FHA loan is 580 with a 3.5% down payment. If your score is between 500 and 579, you may still qualify with a 10% down payment. Lenders in Kentucky may have their own overlays, so check with a specialist.
Are there income limits for FHA loans in Kentucky?
Yes, FHA loans have income limits that vary by county. In Jessamine County, where Nicholasville is located, the 2024 limit for a one-unit property is $92,000 for a low-income designation. These limits are adjusted annually and apply to the borrower's gross income.
How long does the FHA loan process take in Nicholasville?
The typical FHA loan process takes 30 to 45 days from application to closing. This timeline includes appraisal, underwriting, and final approval. Delays can occur if additional documentation is needed or if the property requires repairs.
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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.