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Compare fha loan specialists in Goshen. Review contact information and insurance categorys before you decide.
14 agents listed
Updated May 2026
Goshen, IN
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 Indiana before hiring.
Showing 14 fha loan specialists in Goshen, IN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Randy Kalman-Cardinal Financial Company, Limited Partnership
21920 Co Rd 45, Goshen, IN 46528
5746355992
Rob Goo-Cardinal Financial Company, Limited Partnership
21920 Co Rd 45, Goshen, IN 46528
5742484166
Ruoff Mortgage - Goshen, IN
320 N Chicago Ave Ste 9A, Goshen, IN 46528
5745960436
Chase Home Lending
401 S Main St, Goshen, IN 46526
5742269763
An FHA loan specialist in Goshen, Indiana can help you navigate the process of obtaining a mortgage insured by the Federal Housing Administration. Indiana law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand the Elkhart County real estate market and can guide you through FHA credit score and down payment requirements.
What Does a FHA Loan Specialist in Goshen Cost?
Typical costs for an FHA loan specialist in Indiana include an origination fee of 1 to 2 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent of the loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Additional costs may include appraisal fees of $400 to $700 and credit report fees of $30 to $50. These costs vary by lender and borrower situation. 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 Goshen do?
An FHA loan specialist helps borrowers apply for FHA-insured loans, which require a lower minimum down payment and credit score than conventional loans. They review your financial documents, explain FHA guidelines, and submit your application to an FHA-approved lender. Specialists in Goshen are familiar with local property values and inspection requirements.
What are the minimum FHA loan requirements in Indiana?
For FHA loans in Indiana, you typically need a minimum credit score of 580 to qualify for a 3.5 percent down payment. A credit score between 500 and 579 may require a 10 percent down payment. You must also have a steady employment history and a debt-to-income ratio below 43 percent, though exceptions may apply.
Are there Indiana-specific rules for FHA loans?
Indiana follows standard FHA guidelines but has specific state laws regarding mortgage licensing and property disclosures. For example, Indiana requires lenders to provide a Good Faith Estimate and a HUD-1 Settlement Statement. Additionally, Indiana law mandates that all mortgage loan originators be registered with the Indiana Secretary of State.
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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 Indiana.