Find FHA Loan Specialists Near You in La Crosse, WI
Directory of fha loan specialists in La Crosse, Wisconsin. Verify credentials with the state state mortgage licensing authority before hiring.
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 Wisconsin before hiring.
Showing 12 fha loan specialists in La Crosse, WI
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An FHA loan specialist in La Crosse Wisconsin helps borrowers secure mortgages insured by the Federal Housing Administration. These loans often require lower down payments and credit scores than conventional loans. Wisconsin law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in La Crosse Cost?
Typical costs for an FHA loan specialist in Wisconsin include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount. Annual mortgage insurance premiums (MIP) range from 0.45 to 1.05 percent of the loan balance depending on loan term and loan to value ratio. Closing costs in La Crosse generally range from 2 to 5 percent 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 are the FHA loan limits for La Crosse Wisconsin in 2025?
For 2025 the FHA loan limit for a single family home in La Crosse County is $498,257. This limit applies to most areas in Wisconsin and is set by the Department of Housing and Urban Development (HUD). Higher limits may apply for duplexes triplexes and fourplexes.
What credit score is needed for an FHA loan in Wisconsin?
Most FHA lenders in Wisconsin require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with credit scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may have its own overlay requirements above the FHA minimum.
Are there Wisconsin specific requirements for FHA loans?
Wisconsin does not have state specific FHA loan laws but all mortgage originators must be licensed under Wisconsin Statute Chapter 224. Borrowers must also meet standard FHA requirements including a valid Social Security number and proof of lawful residency. Local property tax and insurance costs are factored into the loan approval.