ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Looking for a fha loan specialist in Champaign? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Champaign, IL
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 Illinois before hiring.
Showing 20 fha loan specialists in Champaign, IL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Midwest Mortgage Group powered by Flat Branch Home Loans
301 N Neil St #105, Champaign, IL 61820
2173830835
New American Funding - David Nelson
3402 Mission Dr Suite 104, Champaign, IL 61822
3093688175
PrimeLending, A PlainsCapital Company - Champaign
2009 Fox Dr Suite A, Champaign, IL 61820
2173553800
Mariner Finance
511 W Town Center Blvd, Champaign, IL 61822
2178660156
Fisher National Bank
3105 S Staley Rd, Champaign, IL 61822
2176351136
Aaron Gallagher NMLS #1943805 - INB Bank
217 S Neil St Suite C, Champaign, IL 61820
2175304354
New American Funding - Karen Rodriguez 217
3402 Mission Dr Suite 104, Champaign, IL 61822
8156228508
Michelle Mott - 217 Mortgage Powered by New American Funding
Nathan Back - 217 Mortgage Powered by New American Funding
3402 Mission Dr Suite 104, Champaign, IL 61822
2176376283
Sharon Roth, PrimeLending
2009 Fox Dr Suite A, Champaign, IL 61820
2178407101
First State Mortgage - Champaign
2911 Crossing Ct, Champaign, IL 61822
8886649108
Tom Roth, NMLS: 528125, PrimeLending
2009 Fox Dr Suite A, Champaign, IL 61820
2174938578
New American Funding - Champaign
3402 Mission Dr Suite 104, Champaign, IL 61822
4474421098
New American Funding - Jason Byro
3402 Mission Dr Suite 104, Champaign, IL 61822
3098466545
New American Funding - Champaign II
4112c Fieldstone Rd, Champaign, IL 61822
4474421928
New American Funding - Champaign III
2441 Village Green Pl ste a, Champaign, IL 61822
4474421929
An FHA loan specialist in Champaign Illinois helps homebuyers navigate Federal Housing Administration insured loans. These loans often require lower down payments and credit scores than conventional mortgages. Illinois law requires all mortgage loan originators to be licensed through the Illinois Department of Financial and Professional Regulation.
What Does a FHA Loan Specialist in Champaign Cost?
Typical costs for an FHA loan specialist in Illinois include an origination fee of 0.5% to 1.0% of the loan amount. The upfront mortgage insurance premium is 1.75% of the loan amount. Annual mortgage insurance premiums range from 0.45% to 1.05% of the loan balance. Closing costs in Champaign generally total 2% to 5% of the purchase price. This information is general 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 does an FHA loan specialist in Champaign do?
An FHA loan specialist guides borrowers through the FHA loan application process. They help determine eligibility based on credit score and debt to income ratio. They also assist with required documentation for Illinois property appraisals.
What are the FHA loan limits for Champaign Illinois in 2025?
For 2025 the FHA loan limit for Champaign County is typically around $498,257 for a single family home. This limit can vary based on property type and local median home prices. Your specialist can confirm the exact figure for your situation.
Are there Illinois specific requirements for FHA loans?
Yes Illinois requires a state specific mortgage fraud disclosure and a notice of right to cancel for all FHA loans. Borrowers must also complete a homeownership counseling session if using certain down payment assistance programs. These requirements are in addition to standard FHA guidelines.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Champaign who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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 Illinois.