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Directory of fha loan specialists in Hugo, Minnesota. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Hugo, 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 3 fha loan specialists in Hugo, 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.
Chad Brune
5712 157th Cir N, Hugo, MN 55038
6513384523
Heartland Home Loans
13433 Fenway Blvd Ct N, Hugo, MN 55038
6516539191
Steve Miller - M&M Mortgage LLC
1910 Rehbein St, Hugo, MN 55038
6516004789
An FHA loan specialist in Hugo, Minnesota can guide you through the process of obtaining a government-backed mortgage with a low down payment. Minnesota law requires all mortgage loan originators to be licensed through the Minnesota Department of Commerce. Local specialists understand the specific housing market in Washington County and can help you meet FHA property standards for homes in the Hugo area.
What Does a FHA Loan Specialist in Hugo Cost?
FHA loan specialist fees in Minnesota typically range from 1 to 2 percent of the loan amount for origination and processing. You will also pay an upfront mortgage insurance premium of 1.75 percent of the base loan amount and an annual premium of 0.55 to 0.85 percent. Closing costs in Hugo generally total 3 to 5 percent of the purchase price. 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 is an FHA loan and who qualifies in Hugo Minnesota?
An FHA loan is a mortgage insured by the Federal Housing Administration. To qualify in Hugo you typically need a credit score of at least 580 and a down payment of 3.5 percent. You must also occupy the home as your primary residence and meet standard debt to income ratio requirements.
How do I find a licensed FHA loan specialist in Hugo?
You can verify a loan specialist license through the Minnesota Department of Commerce online database. Look for specialists who specifically advertise FHA loan experience and who regularly work with buyers in Washington County. Ask about their familiarity with FHA appraisal requirements for homes in the Hugo area.
What are the specific FHA loan limits for Hugo Minnesota in 2025?
For 2025 the FHA loan limit for a single family home in Washington County Minnesota is typically around $498,257 for standard areas. Higher limits may apply for duplexes or triplexes. Always confirm current limits with your specialist as they can change annually based on local median home prices.
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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.