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Browse fha loan specialists serving Somerset, Kentucky. Contact information and addresses listed below.
17 agents listed
Updated May 2026
Somerset, 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 17 fha loan specialists in Somerset, 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.
Eagle Finance
650 N Main St Suite 216, Somerset, KY 42501
6066760899
CheckSmart
300 Sam Walton Dr Ste 1300, Somerset, KY 42501
6064513136
A+ Loans & Taxes
1112 S Hwy 27 STE A, Somerset, KY 42501
6064255232
Michael Abbott-Mortgage Loan Originator-Citizens National Bank--Local Lake Cumberland - NMLS 2035068- Equal Housing Lender
44 Public Square, Somerset, KY 42501
6062789387
Citizens National Bank - Main Office
44 Public Square, Somerset, KY 42501
6066796341
Mariner Finance
2835 S Hwy 27 Ste. 186, Somerset, KY 42501
6064510602
1st Franklin Financial
465 S Hwy 27 Suite 4, Somerset, KY 42501
6066772735
Republic State Mortgage
650 S Hwy 27 #4, Somerset, KY 42501
6063411143
Lendmark Financial Services LLC
3786 S Hwy 27, Somerset, KY 42501
6066787171
New American Funding - Amanda Bolin
5877 S Hwy 27 suite a, Somerset, KY 42501
6062548335
Truist
546 S Hwy 27, Somerset, KY 42501
6066779705
Kyle Ball Mortgage Loan Officer @ Republic State Mortgage Company
5877 S Hwy 27, Somerset, KY 42501
6062193323
First Century Lending
120 S Hwy 27 #2, Somerset, KY 42501
6066782231
New American Funding - Somerset
5877 S Hwy 27 suite a, Somerset, KY 42501
6067272162
Benchmark Mortgage
110 Richie Ln suite a, Somerset, KY 42503
6064510803
Isaac Hart
15 US-27, Somerset, KY 42501
6066786736
Mortgage Solutions
3737 S Hwy 27, Somerset, KY 42501
6066760321
FHA loan specialists in Somerset Kentucky help homebuyers secure mortgages insured by the Federal Housing Administration. These loans are popular for first-time buyers and those with lower credit scores because they require a lower down payment. Kentucky law does not add extra state-specific rules for FHA loans but local property tax and insurance regulations can affect your monthly payment.
What Does a FHA Loan Specialist in Somerset Cost?
Typical costs for an FHA loan specialist in Kentucky include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 to 0.85 percent. Closing costs in Somerset usually range from 2 to 5 percent of the purchase price. These costs vary by lender and loan size. 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 credit score requirements for an FHA loan in Somerset Kentucky?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. If your score is between 500 and 579 you may still qualify but you will need a 10 percent down payment. Kentucky lenders may have their own overlays so check with a local specialist.
How long does an FHA loan closing take in Somerset Kentucky?
A standard FHA loan closing in Kentucky usually takes 30 to 45 days from application to final closing. Delays can occur if the property needs repairs required by the FHA appraisal. Working with a local Somerset specialist can help keep the process on schedule.
Are there Kentucky specific limits for FHA loan amounts in Somerset?
Yes, FHA loan limits for Somerset Kentucky are set by the county. For 2024 the single-family home limit in Pulaski County is $498,257. Higher limits apply for multi-unit properties. These limits are adjusted annually based on median home prices.
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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.