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Find FHA Loan Specialists Near You in Lino Lakes, MN

Browse fha loan specialists serving Lino Lakes, Minnesota. Contact information and addresses listed below.

2 agents listed
Updated June 2026
Lino Lakes, 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 State Mortgage Licensing Authority of Minnesota before hiring.
Showing 2 fha loan specialists in Lino Lakes, 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.
Justin Larson, Mortgage Lender - Home Loans NMLS #1490922
7525 Village Dr #120, Lino Lakes, MN 55014
(320) 296-9177 summit-mortgage.com
Rebecca Hawley NMLS#1729105 - M&M Mortgage
2077 Watermark Way, Lino Lakes, MN 55038
(763) 607-9707 213677.my1003app.com

An FHA loan specialist in Lino Lakes, Minnesota can guide you through the process of obtaining a government-backed mortgage. These loans are popular for first-time homebuyers and those with lower credit scores. Minnesota law requires all mortgage originators to be licensed through the Minnesota Department of Commerce.

What Does a FHA Loan Specialist in Lino Lakes Cost?

Typical costs for an FHA loan in Minnesota include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 to 0.85 percent. Closing costs usually range from 3 to 5 percent of the loan amount. These costs vary by lender and property. 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 Lino Lakes?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Some lenders may accept scores as low as 500 with a 10 percent down payment. Requirements vary by lender and case.
Are there income limits for FHA loans in Minnesota?
FHA loans do not have strict income limits, but your debt-to-income ratio must usually be below 43 percent. Minnesota lenders will review your income and expenses to ensure you can afford the loan payments.
How long does an FHA loan approval take in Lino Lakes?
The approval process for an FHA loan in Minnesota typically takes 30 to 45 days. This includes appraisal, underwriting, and final approval. Delays can occur if additional documentation is needed.

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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 Minnesota.

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