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 12 fha loan specialists in St Cloud, 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.
Envision Capital
14 7th Ave N, St Cloud, MN 56303
3202911075
New American Funding - Kristin Olding
4150 2nd St S Ste 325, St Cloud, MN 56301
3203602566
St. Cloud Mortgage, Inc.
606 25th Ave S #101, St Cloud, MN 56301
3202607576
New American Funding - Chad Faur
4150 2nd St S Ste 325, St Cloud, MN 56301
9523563493
Bell Bank Mortgage, Mike Petroske
3051 2nd St S #101, St Cloud, MN 56301
3202530666
New American Funding - St Cloud, MN
4150 2nd St S Ste 325, St Cloud, MN 56301
3202011356
One Mortgage, LLC
1407 33rd St S, St Cloud, MN 56301
3202570223
New American Funding - Michael Schrupp
4150 2nd St N Ste 325, St Cloud, MN 56301
6122803657
Shelvin Dean - St. Cloud Mortgage, Inc
606 25th Ave S #101, St Cloud, MN 56301
3202664973
Granite City Mortgage of Saint Cloud Inc
600 25th Ave S Ste 208, St Cloud, MN 56301
3202520100
Chris Wahl at Guaranteed Rate Affinity (NMLS #283507)
2680 W St Germain St, St Cloud, MN 56301
7632356215
Bell Bank Mortgage
3051 2nd St S #101, St Cloud, MN 56301
3202530666
What Does a FHA Loan Specialist in St Cloud Cost?
Typical costs for FHA loan services in Minnesota include an upfront mortgage insurance premium of 1.75% of the loan amount and annual mortgage insurance premiums of 0.55% to 0.85%. Closing costs in St Cloud generally range from 2% to 5% of the purchase price. Lender fees vary but average $500 to $1,500. 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 does an FHA loan specialist do in St Cloud?
An FHA loan specialist guides borrowers through the FHA loan process. They help with pre-approval, document collection, and understanding Minnesota specific requirements like property condition standards. They also coordinate with local appraisers and lenders.
What are the FHA loan limits for St Cloud Minnesota?
For 2025, the FHA loan limit for a single-family home in Stearns County is $498,257. This limit applies to St Cloud and surrounding areas. Higher limits apply for multi-unit properties.
How long does the FHA loan process take in Minnesota?
The typical FHA loan process in Minnesota takes 30 to 45 days from application to closing. Minnesota law requires a minimum 30-day escrow period for most residential loans. Delays can occur if property condition issues arise.