Find FHA Loan Specialists in Roseville, MN
Compare fha loan specialists in Roseville. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Minnesota before hiring.
Showing 7 fha loan specialists in Roseville, MN
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What Does a FHA Loan Specialist in Roseville Cost?
Typical costs for an FHA loan specialist in Minnesota include an origination fee of 1% to 1.5% of the loan amount, plus third party fees for appraisal (around $500 to $700), credit report ($30 to $50), and title services ($800 to $1,200). The upfront mortgage insurance premium is 1.75% of the loan amount, and annual MIP ranges from 0.55% to 0.85%. 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 Roseville do?
An FHA loan specialist guides borrowers through the FHA loan process, including pre approval, documentation, and closing. They help Roseville residents understand Minnesota specific requirements like the state mandated seller disclosure and the 30 day timeline for mortgage commitment letters.
What are the FHA loan limits for Roseville Minnesota?
For 2025, the FHA loan limit for a single family home in Ramsey County, which includes Roseville, is $498,257. Higher limits apply for duplexes, triplexes, and fourplex properties. These limits are set by the U.S. Department of Housing and Urban Development.
How do I qualify for an FHA loan in Roseville?
You need a minimum credit score of 580 for a 3.5% down payment, or 500 for a 10% down payment. You must also have a debt to income ratio below 43% and meet Minnesota occupancy requirements. The property must pass an FHA appraisal.