FHA Loan Specialists in Northfield, MN — Compare & Find

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 3 fha loan specialists in Northfield, 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.

Wells Fargo Home Mortgage - Chris Graupmann

700 Water St S, Northfield, MN 55057

(507) 663-7322

Wells Fargo Home Mortgage

700 Water St S, Northfield, MN 55057

(607) 663-7388 homeloans.wellsfargo.com

Wells Fargo Home Mortgage - Melissa Running

700 Water St S, Northfield, MN 55057

(507) 663-7388

An FHA loan specialist in Northfield, Minnesota can help you navigate the Federal Housing Administration loan process. 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, so your specialist must hold a valid license.

What Does a FHA Loan Specialist in Northfield Cost?

Typical costs for an FHA loan specialist in Minnesota include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Closing costs in Northfield usually range from 2 to 5 percent of the purchase price. Your specialist may charge an origination fee of up to 1 percent. These costs vary by lender and loan size. 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 Northfield?

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. Your specialist can review your specific situation.

Are there Minnesota-specific limits for FHA loans in Northfield?

Yes, FHA loan limits vary by county. For Rice County, which includes Northfield, the 2025 single-family home loan limit is typically around $498,257. Your specialist can confirm the current limit for your property type.

How long does the FHA loan process take in Minnesota?

The process usually takes 30 to 45 days from application to closing. Minnesota law requires a three-day right of rescission after signing loan documents. Your specialist will guide you through each step.

FHA Loan Specialists in Other Minnesota Cities

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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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