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Directory of fha loan specialists in Elgin, Illinois. Verify credentials with the state mortgage licensing authority before hiring.
10 agents listed
Updated May 2026
Elgin, 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 10 fha loan specialists in Elgin, 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.
Joe Mainolfi, Mortgage Lender NMLS #2039850
162 E Chicago St, Elgin, IL 60120
3129372152
Fairway Independent Mortgage Corporation
2205 Point Blvd Suite 175, Elgin, IL 60123
8478576820
Edgar Santiago at CrossCountry Mortgage
221 E Chicago St Suite 103, Elgin, IL 60120
8479975626
Kathi Mettille | NMLS# 579170
325 Randall Rd, Elgin, IL 60123
8473415984
LSI (Lending Solutions, Inc.)
2200 Point Blvd, Elgin, IL 60123
8478442200
American Home Enterprises
158 E Chicago St, Elgin, IL 60120
2245359085
Chase Home Lending
270 S Randall Rd, Elgin, IL 60123
3314318134
Eduardo C Galindo | Fairway Independent Mortgage Corporation Branch Manager
2205 Point Blvd Suite 175, Elgin, IL 60123
8158141964
James Mulholland at CrossCountry Mortgage
374 N McLean Blvd, Elgin, IL 60123
8477966200
Julia Perez | Fairway Independent Mortgage Corporation Loan Officer
2205 Point Blvd Suite 175, Elgin, IL 60123
8478156242
An FHA loan specialist in Elgin Illinois can help you navigate the Federal Housing Administration loan process. Illinois law requires all mortgage loan originators to be licensed through the Illinois Department of Financial and Professional Regulation. Elgin residents often use FHA loans for their lower down payment requirements and flexible credit guidelines.
What Does a FHA Loan Specialist in Elgin Cost?
Typical costs for FHA loan specialist services in Illinois include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance depending on the loan term and down payment. Other costs may include appraisal fees around $500 to $700 and credit report fees of $30 to $50. 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 does an FHA loan specialist in Elgin do?
An FHA loan specialist helps borrowers understand FHA loan requirements and guides them through the application process. They review credit history, income documents, and property eligibility to ensure the loan meets FHA standards.
What are the FHA loan limits for Elgin Illinois?
For 2024, the FHA loan limit for a single-family home in Kane County including Elgin is $498,257. Higher limits apply for duplexes triplexes and four-unit properties. These limits are set by the U.S. Department of Housing and Urban Development and may change annually.
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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 Illinois.