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Showing 2 fha loan specialists in Excelsior Springs, MO
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
TitleMax Title Loans
1921 W Jesse James Rd, Excelsior Springs, MO 64024
8166372691
Security Finance
128 Corum Rd, Excelsior Springs, MO 64024
8166372206
What Does a FHA Loan Specialist in Excelsior Springs Cost?
Typical costs for an FHA loan in Missouri 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 in Excelsior Springs range from 2 to 5 percent of the purchase price. Lender origination fees vary but often fall between 0.5 and 1 percent of the loan. 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 are the FHA loan limits in Excelsior Springs Missouri?
For 2025 the FHA loan limit for a single family home in Clay County Missouri is $498,257. This limit applies to Excelsior Springs and is set by the Department of Housing and Urban Development. Higher limits apply for multi unit properties.
What documents do I need for an FHA loan in Missouri?
You need proof of income tax returns bank statements and a valid Social Security number. Missouri lenders also require a property appraisal by an FHA approved appraiser. Self employed borrowers must provide two years of tax returns.
How long does the FHA loan process take in Excelsior Springs?
The typical FHA loan process in Missouri takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs to meet FHA minimum property standards. Local lenders in Excelsior Springs can provide a more specific timeline.