Find FHA Loan Specialists Near You in O'Fallon, MO
Browse fha loan specialists serving O'Fallon, Missouri. Contact information and addresses listed below.
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 15 fha loan specialists in O'Fallon, 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 O'Fallon Cost?
Typical costs for an FHA loan specialist in Missouri include an origination fee of 1% to 2% of the loan amount, plus third-party fees for appraisal, credit report, and title services. Appraisal fees in O'Fallon range from $500 to $700. Closing costs generally total 3% to 5% of the loan amount. 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 O'Fallon Missouri?
For 2025, the FHA loan limit for a single-family home in St. Charles County, including O'Fallon, is $498,257. This amount is set by the Department of Housing and Urban Development and may change annually.
What is the minimum down payment for an FHA loan in Missouri?
The minimum down payment for an FHA loan is 3.5% of the purchase price if your credit score is 580 or higher. If your credit score is between 500 and 579, you may need a 10% down payment.
Do I need mortgage insurance for an FHA loan in Missouri?
Yes, FHA loans require both an upfront mortgage insurance premium of 1.75% of the loan amount and an annual premium that varies based on loan term and amount. The annual premium typically ranges from 0.45% to 1.05% of the loan balance.