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Directory of fha loan specialists in Post Falls, Idaho. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Post Falls, ID
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 Idaho before hiring.
Showing 8 fha loan specialists in Post Falls, ID
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
World Finance
112 E Seltice Way Ste C, Post Falls, ID 83854
2084573204
Monument Financial, Inc.
510 Clearwater Loop # 100, Post Falls, ID 83854
2089006350
Idaho Mortgage Broker Laura Guadamuz, Loan Officer NMLS #2097030
4252 E 16th Ave, Post Falls, ID 83854
2084815899
Erin Halleman, STCU Home Loans, NMLS #1173475
3903 E Primrose Ln #101, Post Falls, ID 83854
2086194005
Heartland Mortgage Inc NMLS# 70082
2700 E Seltice Way Ste 8, Post Falls, ID 83854
2087772030
Mimi Fisher - Powered by Modus Mortgage
510 Clearwater Loop, Post Falls, ID 83854
2086619457
P1FCU Post Falls Lending Center
3095 E Mullan Ave Ste 500, Post Falls, ID 83854
2087468900
Freedom Financial LLC
1869 E Seltice Way, Post Falls, ID 83854
9706823981
An FHA loan specialist in Post Falls, Idaho helps borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. Idaho law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand the unique real estate market in Kootenai County and can guide you through Idaho specific property appraisal rules.
What Does a FHA Loan Specialist in Post Falls Cost?
Typical costs for FHA loan services in Idaho include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual premium of 0.55 to 0.85 percent. Lender origination fees range from 0.5 to 1.5 percent of the loan. Appraisal fees in Post Falls average 500 to 700 dollars. Closing costs generally total 3 to 5 percent of the purchase price. 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 does an FHA loan specialist in Post Falls do?
An FHA loan specialist helps you determine if you qualify for an FHA loan, guides you through the application process, and ensures compliance with Idaho and federal lending regulations. They review your credit, income, and property details to match you with the right loan program.
What are the minimum credit score requirements for an FHA loan in Idaho?
For an FHA loan in Idaho, the minimum credit score is typically 580 for a 3.5 percent down payment. If your score is between 500 and 579, you may still qualify with a 10 percent down payment. These requirements follow HUD guidelines and apply statewide.
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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 Idaho.