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Browse fha loan specialists serving Troy, Illinois. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Troy, 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 2 fha loan specialists in Troy, 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.
FCB Banks
504 Edwardsville Rd, Troy, IL 62294
6186679090
Edward Jones - Financial Advisor: Linda S Manley, CFP®
7654 Plummer Business Dr, Troy, IL 62294
6186673272
FHA loan specialists in Troy, Illinois help borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. Illinois law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Troy residents benefit from specialists who understand local property values and the specific FHA loan limits for Madison County.
What Does a FHA Loan Specialist in Troy Cost?
Typical costs for an FHA loan in Illinois include an upfront MIP of 1.75 percent of the loan amount, plus an annual MIP of 0.15 to 0.75 percent depending on the loan term and down payment. Closing costs in Troy generally range from 2 to 5 percent of the purchase price, covering appraisal, title search, and lender fees. Borrowers also pay for a home inspection and any required repairs. 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 credit score do I need for an FHA loan in Troy Illinois?
Most FHA lenders require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may set higher requirements.
What are the FHA loan limits for Troy Illinois in 2025?
For 2025, the FHA loan limit for a single-family home in Madison County, including Troy, is $498,257. Higher limits apply for multi-unit properties. A specialist can confirm the exact amount for your situation.
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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.