Find FHA Loan Specialists Near You in St Joseph, MO
Looking for a fha loan specialist in St Joseph? Review the directory below to compare your options.
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 20 fha loan specialists in St Joseph, MO
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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.