Find FHA Loan Specialists in Jefferson City, MO
Directory of fha loan specialists in Jefferson City, Missouri. Verify credentials with the state state mortgage licensing authority before hiring.
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 18 fha loan specialists in Jefferson City, 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.
What Does a FHA Loan Specialist in Jefferson City Cost?
Typical costs for an FHA loan in Missouri include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, plus an annual MIP of 0.55 to 0.85 percent. Closing costs in Jefferson City usually range from 2 to 5 percent of the purchase price. Appraisal fees are around $400 to $600, and credit report fees are about $30 to $50. These costs vary by lender and property. 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 credit score do I need for an FHA loan in Jefferson City?
You generally need a credit score of at least 580 for the 3.5 percent down payment option. If your score is between 500 and 579, you may still qualify with a 10 percent down payment. Your FHA loan specialist can review your specific situation.
Are there Missouri-specific rules for FHA loans?
Missouri follows standard FHA guidelines set by HUD. However, Missouri law requires lenders to provide a Good Faith Estimate and a HUD-1 Settlement Statement. The state also has a 30-day right of rescission for refinances on primary residences.
How long does an FHA loan process take in Jefferson City?
The typical FHA loan process takes 30 to 45 days from application to closing. Delays can occur if the home appraisal or underwriting requires additional documentation. Your specialist will provide a timeline based on your file.