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Directory of fha loan specialists in Troy, Ohio. Verify credentials with the state mortgage licensing authority before hiring.
13 agents listed
Updated May 2026
Troy, OH
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 Ohio before hiring.
Showing 13 fha loan specialists in Troy, OH
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Advance America
765 W Market St, Troy, OH 45373
9373320058
Mariner Finance
1870 W Main St, Troy, OH 45373
9377039381
PrimeLending, A PlainsCapital Company - Troy OH
1855 Towne Park Dr B, Troy, OH 45373
9374013394
Joe Vichich at Rate (NMLS #1420737)
224 S Market St suite c, Troy, OH 45373
9373066934
Lendmark Financial Services LLC
1928 W Main St, Troy, OH 45373
9372962211
Union Home Mortgage
1001 S Dorset Rd # B, Troy, OH 45373
9373684330
loanDepot
2351 W Main St, Troy, OH 45373
9377537050
Joe Vichich, Movement Mortgage
224 S Market St suite c, Troy, OH 45373
9372395679
Fifth Third Mortgage - Chris Losey
1851 W Main St, Troy, OH 45373
9375249948
Allison Cruea-U.S. Bank Mortgage
910 W Main St, Troy, OH 45373
9373328310
Western Ohio Mortgage Corp.
225 E Main St, Troy, OH 45373
9375522820
Rate
224 S Market St suite c, Troy, OH 45373
6147960811
US Bank Mortgage
910 W Main St, Troy, OH 45373
8008722657
An FHA loan specialist in Troy, Ohio can help you navigate the Federal Housing Administration loan process, which is popular for first-time homebuyers and those with lower credit scores. Ohio law requires all mortgage loan originators to be licensed through the Ohio Division of Financial Institutions. Local specialists understand the Troy real estate market and can guide you through FHA appraisal requirements specific to the area.
What Does a FHA Loan Specialist in Troy Cost?
Typical costs for an FHA loan in Ohio include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual mortgage insurance premium ranging from 0.45 to 1.05 percent. Closing costs generally range from 2 to 5 percent of the purchase price. Lender fees vary by institution. 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 are the FHA loan requirements in Ohio?
FHA loans in Ohio require a minimum credit score of 580 for a 3.5 percent down payment, or 500 with a 10 percent down payment. The property must meet FHA appraisal standards, and the borrower must have a valid Social Security number and steady employment history.
How do I find a licensed FHA loan specialist in Troy?
You can search the Ohio Division of Financial Institutions license lookup tool online to verify a loan officer license. Local mortgage brokers and banks in Troy often employ specialists who focus on FHA loans. Ask for referrals from your real estate agent or local housing counseling agency.
What is the FHA loan limit for Miami County Ohio?
For 2024, the FHA loan limit for a single-family home in Miami County, which includes Troy, is $498,257. This limit can change annually based on the area median home price. Higher limits apply for multi-unit properties.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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 Ohio.