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Directory of fha loan specialists in Forest Lake, Minnesota. Verify credentials with the state mortgage licensing authority before hiring.
9 agents listed
Updated May 2026
Forest Lake, MN
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 Minnesota before hiring.
Showing 9 fha loan specialists in Forest Lake, MN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Katie Strom at Prosperity Home Mortgage - Forest Lake
555 W Broadway Ave suite 5, Forest Lake, MN 55025
6514685127
Bell Bank Mortgage, Curt Smith
19810 Headwaters Blvd N, Forest Lake, MN 55025
6123084367
Tony Zerwas at Rate (NMLS #321631)
855 W Broadway Ave Ste B, Forest Lake, MN 55025
6512261731
Chance Norby at Rate (NMLS #348469)
855 W Broadway Ave Ste B, Forest Lake, MN 55025
6514649094
Lindsey Buchanan
25 Lake St N, Forest Lake, MN 55025
6512105089
Rate
855 W Broadway Ave Ste B, Forest Lake, MN 55025
6514649094
Bell Bank Mortgage, Rocquie Nash
19810 Headwaters Blvd N, Forest Lake, MN 55025
6517835257
Luminate Home Loans (Forest Lake)
25 Lake St S STE 125, Forest Lake, MN 55025
6513682930
Sarah Lindquist - Mortgage Lender
2001 W Broadway Ave, Forest Lake, MN 55025
6514073313
An FHA loan specialist in Forest Lake, Minnesota helps borrowers navigate government-backed mortgages with lower down payment requirements. Minnesota law requires all mortgage originators to be licensed through the Minnesota Department of Commerce. Local specialists understand Forest Lake home values and can guide you through FHA appraisal rules specific to the state.
What Does a FHA Loan Specialist in Forest Lake Cost?
Typical costs for an FHA loan in Minnesota include an upfront mortgage insurance premium of 1.75% of the loan amount and an annual premium of 0.55% to 0.85%. Closing costs usually range from 2% to 5% of the purchase price, including appraisal fees of $500 to $700 and lender origination fees. 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 does an FHA loan specialist in Forest Lake do?
An FHA loan specialist helps you apply for a Federal Housing Administration insured mortgage. They review your credit, income, and debt to determine eligibility. They also explain Minnesota specific requirements like property condition standards and loan limits for Washington County.
What are the FHA loan limits for Forest Lake Minnesota?
For 2025, the FHA loan limit for a single family home in Washington County is $498,257. This amount may change annually based on local median home prices. A specialist can confirm the current limit for your specific property.
How long does the FHA loan process take in Minnesota?
The typical FHA loan process in Minnesota takes 30 to 45 days from application to closing. Minnesota law requires a minimum 3 business day review period before closing. Delays can occur if the property needs repairs to meet FHA minimum property standards.
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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 Minnesota.