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Showing 3 fha loan specialists in Ozark, 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.
Total Lending Concepts I Ozark, MO
4101 State Hwy NN #103, Ozark, MO 65721
4175809930
Kevin Hanks, Mortgage Lender
1444 W State Hwy J, Ozark, MO 65721
4178885870
Chris Hazen - Regions Mortgage Loan Officer
2001 W Jackson St, Ozark, MO 65721
4176933470
What Does a FHA Loan Specialist in Ozark Cost?
Typical costs for FHA loan specialist services in Missouri include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, plus an annual MIP of 0.45% to 1.05% depending on loan term and down payment. Lender origination fees range from 0.5% to 1.5% of the loan amount. Appraisal fees in Ozark average $500 to $700. Closing costs generally total 2% to 5% of the purchase price. 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 in Ozark do?
An FHA loan specialist assists borrowers with FHA loan applications, credit requirements, and property eligibility. They also help clients understand Missouri-specific rules, such as property tax prorations and escrow requirements.
What are the credit score requirements for an FHA loan in Missouri?
The minimum credit score for an FHA loan is typically 580 with a 3.5% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment, but each lender in Missouri may have its own overlays.
Are there income limits for FHA loans in Ozark?
FHA loans do not have strict income limits, but borrowers must show stable employment and sufficient income to cover mortgage payments. In Missouri, lenders use debt-to-income ratios, usually capped at 43%, to determine eligibility.