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Find FHA Loan Specialists in Independence, MO

Directory of fha loan specialists in Independence, Missouri. Verify credentials with the state state mortgage licensing authority before hiring.

2 agents listed
Updated June 2026
Independence, MO
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 Missouri before hiring.
Showing 2 fha loan specialists in Independence, 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.
Community Mortgage, LLC
19045 E Valley View Pkwy f, Independence, MO 64055
(866) 588-5533 communitymortgagellc.com
Community Mortgage (Chris Hernandez - NMLS :276755)
19045 E Valley View Pkwy f, Independence, MO 64055
(816) 916-7723 kcfirsttimehomebuyer.com

An FHA loan specialist in Independence, Missouri can help you navigate the Federal Housing Administration loan process, which is popular for first-time homebuyers and those with lower credit scores. Missouri law requires all mortgage loan originators to be licensed through the Missouri Division of Finance. Local specialists understand Independence market conditions and can guide you through FHA property requirements in Jackson County.

What Does a FHA Loan Specialist in Independence Cost?

Typical costs for an FHA loan specialist in Independence, Missouri include an origination fee of 0.5 to 1.0 percent of the loan amount, plus third-party fees for appraisal and credit report. The upfront mortgage insurance premium is 1.75 percent of the loan amount, and annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and down payment. Total costs vary by case. 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 are the FHA loan limits for Independence Missouri in 2025?
For 2025, the FHA loan limit for a single-family home in Jackson County, which includes Independence, is $498,257 for a standard loan. Higher limits apply for multi-unit properties. These limits are set by the Department of Housing and Urban Development and may change annually.
Do I need a specific down payment for an FHA loan in Missouri?
FHA loans require a minimum down payment of 3.5 percent if your credit score is 580 or higher. If your credit score is between 500 and 579, you may need a 10 percent down payment. Missouri does not have state-specific down payment assistance programs, but local Independence programs may offer grants.
What closing costs can I expect with an FHA loan in Independence?
Typical closing costs for an FHA loan in Missouri range from 2 to 5 percent of the loan amount. This includes the upfront mortgage insurance premium of 1.75 percent of the base loan amount. Actual costs vary by lender and property location in Independence.

FHA Loan Specialists in Other Missouri Cities

Arnold · Blue Springs · Boonville · Cape Girardeau · Carthage · Chesterfield · Clayton · Columbia · Cottleville · Creve Coeur · Dardenne Prairie · Des Peres · Ellisville · Eureka · Excelsior Springs

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Legal Notice BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state state mortgage licensing authority association before hiring.

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 Missouri.

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