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Looking for a fha loan specialist in Three Rivers? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Three Rivers, 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 2 fha loan specialists in Three Rivers, 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.
Ruoff Mortgage - Three Rivers
58672 S US Hwy 131, Three Rivers, MI 49093
2692444572
Alex Scheske, Ruoff Mortgage
58672 S US Hwy 131, Three Rivers, MI 49093
2692908997
An FHA loan specialist in Three Rivers, Michigan helps homebuyers navigate Federal Housing Administration loans, which are popular for first-time buyers and those with lower credit scores. Michigan law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Three Rivers residents often use FHA loans to purchase homes in St. Joseph County with a low down payment of 3.5 percent.
What Does a FHA Loan Specialist in Three Rivers Cost?
Typical costs for an FHA loan in Michigan include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, plus an annual MIP of 0.45 to 1.05 percent depending on loan term and loan-to-value ratio. Closing costs in Three Rivers generally range from 2 to 5 percent of the purchase price. Lender origination fees vary but average around 1 percent of the loan amount. 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 credit score do I need for an FHA loan in Three Rivers?
Most FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. If your score is between 500 and 579, you may still qualify with a 10 percent down payment. Michigan lenders may have their own overlays, so check with a local specialist.
Are there specific property requirements for FHA loans in Michigan?
Yes, FHA loans require the property to meet minimum safety, security, and soundness standards through an FHA appraisal. In Michigan, homes must also comply with state building codes and local zoning laws in Three Rivers. The appraisal is valid for 120 days.
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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 Michigan.