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Compare fha loan specialists in Hiawatha. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Hiawatha, IA
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 Iowa before hiring.
Showing 4 fha loan specialists in Hiawatha, IA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Hall Lending Group, Mortgage Broker
1110 Dina Ct A, Hiawatha, IA 52233
3198993820
Waterstone Mortgage - Hiawatha, IA
2203 Blairsferry Crossing, Hiawatha, IA 52233
3193823854
Farm Credit Services of America
1525 E Boyson Road, Hiawatha, IA 52233
3193640151
Universal Lending Corporation
1450 Boyson Road Ste B3, Hiawatha, IA 52233
3193930100
FHA loan specialists in Hiawatha, Iowa help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. Iowa law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Working with a local specialist familiar with Hiawatha property values and Linn County regulations can streamline the approval process.
What Does a FHA Loan Specialist in Hiawatha Cost?
Typical costs for an FHA loan in Iowa include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Closing costs generally range from 2 to 5 percent of the purchase price. For a 200,000 dollar home, total closing costs might be 4,000 to 10,000 dollars. These costs vary by lender, property, and borrower qualifications. 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 credit score do I need for an FHA loan in Hiawatha?
Most FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify with a 10 percent down payment. Each lender may set its own requirements above the FHA minimum.
Are there income limits for FHA loans in Iowa?
FHA loans do not have income limits, but borrowers must show stable income and meet debt-to-income ratio requirements. For 2024, the FHA loan limit for a single-family home in Linn County is 498,257 dollars. Your specialist can help verify your eligibility.
How long does the FHA loan process take in Hiawatha?
The typical FHA loan process takes 30 to 45 days from application to closing. This timeline includes appraisal, underwriting, and any required repairs. Iowa law requires a three-day right of rescission for most refinances.
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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 Iowa.