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Compare fha loan specialists in Crystal Lake. Review contact information and insurance categorys before you decide.
8 agents listed
Updated May 2026
Crystal Lake, 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 8 fha loan specialists in Crystal Lake, 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.
Bryan Reed, Mortgage Lender NMLS #220817
3 W Crystal Lake Ave Unit 1, Crystal Lake, IL 60014
8474778738
New American Funding - Brian Augustine
970 McHenry Ave Suites A-1 to A-4, Crystal Lake, IL 60014
8472045710
Aplos Mortgage
282 Memorial Ct C, Crystal Lake, IL 60014
8155267711
Mortgage Capital Group, Inc.
64 E Crystal Lake Ave, Crystal Lake, IL 60014
8154554422
Jerry DuPaw at Rate (NMLS #631478)
35 Berkshire Dr Unit 12, Crystal Lake, IL 60014
8478155628
Tricia Schultz at Rate (NMLS #200934)
35 Berkshire Dr #12, Crystal Lake, IL 60014
8472322720
Kristine Tonkin-U.S. Bank Mortgage
350 Commonwealth Dr, Crystal Lake, IL 60014
8157882650
Alicia Cardoso at Rate (NMLS #938248)
35 Berkshire Dr Unit 12, Crystal Lake, IL 60014
3127521524
An FHA loan specialist in Crystal Lake, Illinois helps borrowers navigate Federal Housing Administration loans, which are popular for first-time homebuyers and those with lower credit scores. Illinois law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Crystal Lake residents often seek these specialists for guidance on down payment assistance programs and local property eligibility.
What Does a FHA Loan Specialist in Crystal Lake Cost?
Typical costs for an FHA loan specialist in Illinois include an origination fee of 1% to 1.75% of the loan amount, plus third-party fees for appraisal, credit report, and title search. For a $250,000 loan, total costs often range from $5,000 to $8,000. Upfront mortgage insurance premium is 1.75% of the loan amount, and annual MIP ranges from 0.45% to 1.05% depending on loan term and down payment. 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 Crystal Lake do?
An FHA loan specialist helps you understand FHA loan requirements, pre-qualify for a loan, and complete the application process. They also explain Illinois-specific rules, such as property appraisal standards and flood zone requirements in McHenry County.
Are there income limits for FHA loans in Crystal Lake?
Yes, FHA loans have income limits that vary by county. In McHenry County, the 2024 limit for a one-unit property is typically around $498,000 for high-cost areas, but actual limits depend on the specific property and borrower qualifications.
How long does an FHA loan process take in Illinois?
The FHA loan process in Illinois usually takes 30 to 45 days from application to closing. Delays can occur if the property requires repairs to meet FHA minimum property standards, which are enforced by Illinois appraisers.
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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.