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Compare fha loan specialists in Maplewood. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Maplewood, 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 Maplewood, 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.
Homes Mortgage LLC
2127 County Rd D E, Maplewood, MN 55109
6512040696
Affordable Mortgage Shop LLC
1983 Sloan Pl Ste 15, Maplewood, MN 55117
6513699309
Homes Mortgage - Bob Hoye
2127 County Rd D E, Maplewood, MN 55109
6517700241
An FHA loan specialist in Maplewood, Minnesota can guide you through the Federal Housing Administration loan process. These loans are popular for first-time homebuyers and those with lower credit scores. In Minnesota, FHA loans must comply with state-specific property condition and appraisal standards, including those for winterization and well water testing in suburban areas like Maplewood.
What Does a FHA Loan Specialist in Maplewood Cost?
FHA loan costs in Minnesota include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, plus an annual mortgage insurance premium (MIP) ranging from 0.45 to 1.05 percent depending on loan term and down payment. Typical closing costs in Maplewood range from 2 to 5 percent of the purchase price. Lender origination fees vary but are often around 1 percent of the loan amount. 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 do I need for an FHA loan in Maplewood?
FHA loans typically 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. Minnesota law does not set a higher minimum, but individual lenders may have their own requirements.
Are there income limits for FHA loans in Minnesota?
Yes, FHA loans have income limits based on the area median income. In Ramsey County, where Maplewood is located, the 2024 limit for a one-unit property is approximately 115 percent of the median income. These limits are set by HUD and updated annually.
What property types qualify for an FHA loan in Maplewood?
FHA loans are available for single-family homes, townhouses, and condominiums that meet HUD safety and livability standards. In Minnesota, the property must also pass a winterization inspection if it has been vacant for more than 30 days. Multi-unit properties up to four units are eligible if the buyer occupies one unit.
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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 Minnesota.