Find FHA Loan Specialists Near You in St Matthews, KY
Browse fha loan specialists serving St Matthews, Kentucky. Contact information and addresses listed below.
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
State Mortgage Licensing Authority of Kentucky before hiring.
Showing 2 fha loan specialists in St Matthews, KY
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What Does a FHA Loan Specialist in St Matthews Cost?
Typical costs for an FHA loan in Kentucky include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, and an annual MIP of 0.15 to 0.75 percent depending on loan term and down payment. Closing costs in St Matthews often range from 2 to 5 percent of the purchase price. Lender fees can vary from $500 to $1,500. 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 requirements in St Matthews Kentucky?
Borrowers must have a minimum credit score of 580 for a 3.5 percent down payment or 500 for 10 percent down. The property must meet FHA appraisal standards and be your primary residence. Kentucky specific rules may apply regarding property taxes and insurance escrow accounts.
How do I find an FHA loan specialist in St Matthews?
You can search the NMLS Consumer Access database to verify a loan originators license in Kentucky. Local lenders in St Matthews often specialize in FHA loans for first time homebuyers. Ask about their experience with Kentucky specific programs like the Kentucky Housing Corporation down payment assistance.
What is the FHA loan limit for St Matthews Kentucky in 2025?
For 2025, the FHA loan limit for a single family home in Jefferson County is typically around $498,257 for low cost areas and up to $1,149,825 for high cost areas. St Matthews falls under the Louisville metro area limits. Check the HUD website for the most current figures.