FHA Loan Specialists in Berthoud, CO
Directory of fha loan specialists in Berthoud, Colorado. 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 Colorado before hiring.
Showing 4 fha loan specialists in Berthoud, CO
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
FHA loan specialists in Berthoud Colorado help home buyers and refinancers navigate FHA insured mortgages. These loans are backed by the Federal Housing Administration and have lower down payment requirements than conventional loans. Colorado law requires all mortgage loan originators to be licensed through the Colorado Division of Real Estate.
What Does a FHA Loan Specialist in Berthoud Cost?
Typical costs for an FHA loan specialist in Colorado include an origination fee of 0.5% to 1.0% of the loan amount and third party fees for appraisal credit report and title services. These fees total between $3,000 and $6,000 for a standard purchase. Costs vary by lender and loan complexity. 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 Berthoud Colorado?
For 2025 the FHA loan limit for a single family home in Larimer County which includes Berthoud is $498,257. This limit applies to standard FHA loans and may be higher for high cost areas or multi unit properties.
Do FHA loans require mortgage insurance in Colorado?
Yes FHA loans require an upfront mortgage insurance premium of 1.75% of the loan amount and an annual premium that ranges from 0.45% to 1.05% depending on the loan term and down payment. This insurance protects the lender if the borrower defaults.
What credit score is needed for an FHA loan in Berthoud?
FHA loans typically require a minimum credit score of 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. Individual lenders may set higher requirements.