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Compare fha loan specialists in St Joseph. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
St Joseph, 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 Missouri before hiring.
Showing 20 fha loan specialists in St Joseph, 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.
PrimeLending, A PlainsCapital Company - Clear Lake
1311 N Belt Hwy Suite A, St Joseph, MO 64506
8168833028
Southern Bank
3727 Frederick Ave, St Joseph, MO 64506
8554527272
Amanda Lundy-U.S. Bank Mortgage
2701 S Belt Hwy, St Joseph, MO 64503
8163855642
American Portfolio Mortgage Corporation
3715 Beck Rd Building C Suite 303, St Joseph, MO 64505
8163649300
US Bank Mortgage
800 N Belt Hwy, St Joseph, MO 64506
8008722657
Debbie Mahoney
1807 N Woodbine Rd, St Joseph, MO 64506
8163965313
PrimeLending, A PlainsCapital Company: Chad Severe
3827 Beck Rd A, St Joseph, MO 64506
8168833926
PrimeLending, A PlainsCapital Company: Daisy Frisch
3827 Beck Rd A, St Joseph, MO 64506
8162943299
UMB Mortgage Loan Services
3601 Mitchell Ave, St Joseph, MO 64507
8162338284
Flanagan State Bank Mortgage
Buchanan County, 3723 Beck Rd, St Joseph, MO 64501
6602541237
Jennifer L Dixon | Fairway Independent Mortgage Corporation Branch Manager
1807 N Woodbine Rd Suite C, St Joseph, MO 64506
8163908898
FCS Financial
2109 S Riverside Rd, St Joseph, MO 64507
8162792118
An FHA loan specialist in St Joseph Missouri helps home buyers and homeowners navigate FHA insured mortgages. These loans are popular in the area due to lower down payment requirements and flexible credit standards. Missouri law requires all mortgage loan originators to be licensed through the Missouri Division of Finance, ensuring professional standards for St Joseph borrowers.
What Does a FHA Loan Specialist in St Joseph Cost?
Typical costs for an FHA loan in St Joseph include an upfront mortgage insurance premium of 1.75 percent of the loan amount. Closing costs generally range from 2 to 5 percent of the purchase price. For a $200,000 home this means closing costs of $4,000 to $10,000. Lender origination fees are usually 0.5 to 1 percent of the loan amount. Appraisal fees in the area average $500 to $700. A credit report fee may be $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 are the FHA loan limits for St Joseph Missouri?
For 2025 the FHA loan limit for a single family home in Buchanan County is $498,257. This limit applies to St Joseph and surrounding areas. Higher limits may apply for multi unit properties.
What credit score is needed for an FHA loan in St Joseph?
The minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may have additional requirements.
Do FHA loans require mortgage insurance in Missouri?
Yes FHA loans require both an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium paid monthly. The annual rate depends on the loan term and loan to value ratio. This insurance protects the lender if you default.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, 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 Missouri.