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Find FHA Loan Specialists in St Joseph, MI

Compare fha loan specialists in St Joseph. Review contact information and insurance categorys before you decide.

11 agents listed
Updated June 2026
St Joseph, 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 State Mortgage Licensing Authority of Michigan before hiring.
Showing 11 fha loan specialists in St Joseph, 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.
United Federal Credit Union - State Street St. Joseph
2819 S State St, St Joseph, MI 49085
(888) 982-1400 unitedfcu.com
RE/MAX by the Lake - St. Joseph Office
805 Van Brunt Ave, St Joseph, MI 49085
(269) 281-4186 remaxbythelake.com
Flagstar Bank
2829 Niles Ave, St Joseph, MI 49085
(269) 983-6687 flagstar.com
Joy Cluff- Mortgage Loan Advisor
2819 S State St St, St Joseph, MI 49085
(269) 363-6953 joycluff.com
Trina Halcomb at Rate (NMLS #1105945)
717 Ship St, St Joseph, MI 49085
(269) 924-6887 rate.com
Family Focused Financial
2620 S Cleveland Ave, St Joseph, MI 49085
(269) 208-4237 famfocfinancial.com
Dave Danikowski at Rate (NMLS #1987671)
717 Ship St, St Joseph, MI 49085
(630) 606-7251 rate.com
John Brown - Mortgage Advisor - United Federal Credit Union
2819 S State St, St Joseph, MI 49085
(269) 982-4760 unitedfcu.com
Rate
717 Ship St, St Joseph, MI 49085
(616) 215-1020 rate.com
CMG Financial
800 Port St STE C, St Joseph, MI 49085
(269) 352-0579 cmgfi.com
Flagstar Bank Home Loan Center
2829 Niles Ave, St Joseph, MI 49085
(269) 422-7325 flagstar.com

What Does a FHA Loan Specialist in St Joseph Cost?

Typical costs for an FHA loan in Michigan include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent to 0.85 percent. Closing costs in St Joseph range from 2 to 5 percent of the purchase price, including appraisal fees around $500 to $700 and title insurance costs. Lender origination fees vary by institution. 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 credit score is needed for an FHA loan in St Joseph Michigan?
Most FHA lenders require a minimum credit score of 580 for a 3.5 percent down payment. Some lenders may accept scores as low as 500 with a 10 percent down payment. Michigan law does not set a separate state credit score requirement.
Are FHA loan limits different in St Joseph Michigan?
Yes FHA loan limits vary by county. For Berrien County in 2025 the standard FHA loan limit for a single family home is typically around $498,257. Higher limits apply for duplexes and larger properties.

FHA Loan Specialists in Other Michigan Cities

Ada · Adrian · Allen Park · Ann Arbor · Auburn Hills · Battle Creek · Bay City · Berkley · Bingham Farms · Birmingham · Bloomfield Hills · Bloomfield Township · Brighton · Brownstown Township · Byron Center

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Legal Notice BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal 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 state mortgage licensing authority association before hiring.

About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of Michigan.

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