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Directory of fha loan specialists in Niles, Michigan. Verify credentials with the state mortgage licensing authority before hiring.
9 agents listed
Updated May 2026
Niles, MI
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 Michigan before hiring.
Showing 9 fha loan specialists in Niles, MI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Check Into Cash
726 S 11th St, Niles, MI 49120
2696845521
Ron Rogers, Ruoff Mortgage
815 W Main St suite b, Niles, MI 49120
2694490754
Ruoff Mortgage
815 E Main St suite b, Niles, MI 49120
2693405925
Huntington Bank
407 E Main St, Niles, MI 49120
2696832010
Stacy Deitrich, Ruoff Mortgage
815 W Main St suite b, Niles, MI 49120
2692084435
Tammy Graff, Ruoff Mortgage
815 E Main St suite b, Niles, MI 49120
2197307154
Fifth Third Mortgage - Carolyn Taylor
322 Broadway, Niles, MI 49120
6164022236
Ryan Rogers, Ruoff Mortgage
815 W Main St suite b, Niles, MI 49120
2694497799
Community Mortgage
8 S Lincoln Ave, Niles, MI 49120
2696833040
An FHA loan specialist in Niles, Michigan helps home buyers and homeowners navigate FHA-insured mortgages, which are popular for their low down payment requirements. Michigan law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Specialists in Niles understand local property values and the specific FHA loan limits for Berrien County, which can change annually.
What Does a FHA Loan Specialist in Niles Cost?
Typical costs for FHA loan services in Michigan 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. Lender origination fees usually range from 0.5 to 1.0 percent of the loan amount. Appraisal fees in Niles average $500 to $700, and credit report fees are around $30 to $50. These costs vary by lender and borrower profile. 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 are the FHA loan limits for Niles Michigan in 2025?
For 2025, the FHA loan limit for a single-family home in Berrien County is $498,257. This limit applies to most areas in southwest Michigan and is set by the Department of Housing and Urban Development based on local median home prices.
Do I need a special license to be an FHA loan specialist in Michigan?
Yes, all mortgage loan originators in Michigan must hold a valid license through the Nationwide Multistate Licensing System. This includes passing a background check and completing pre-licensing education. You can verify a specialist's license on the NMLS Consumer Access website.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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 Michigan.