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Browse fha loan specialists serving Gardner, Kansas. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Gardner, KS
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 Kansas before hiring.
Showing 3 fha loan specialists in Gardner, KS
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Arvest Bank
306 E Main St, Gardner, KS 66030
9139534393
Central National Bank Mortgage Services Office
205 N Moonlight Rd, Gardner, KS 66030
9138563218
Kelly Mortgage
235 E Main St, Gardner, KS 66030
9138563816
An FHA loan specialist in Gardner, Kansas can help you navigate the process of securing a government-backed mortgage. These professionals understand local market conditions and Kansas specific regulations, such as state property tax laws that may affect your loan terms. Working with a local specialist ensures you receive guidance tailored to Johnson County requirements.
What Does a FHA Loan Specialist in Gardner Cost?
Typical costs for an FHA loan specialist in Kansas include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent to 0.85 percent. Origination fees from lenders range from 0.5 percent to 1.0 percent of the loan. Closing costs in Johnson County average 2 to 5 percent of the purchase price. 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 do in Gardner Kansas?
An FHA loan specialist helps you prepare and submit your application for an FHA insured mortgage. They review your credit history, income documents, and property details to ensure compliance with HUD guidelines. In Kansas, they also help you understand state specific disclosures and closing procedures.
What are the FHA loan limits for Gardner Kansas?
For 2024, the FHA loan limit for a single family home in Johnson County, which includes Gardner, is $498,257. This limit applies to most standard FHA loans. Higher limits may apply for duplexes or larger properties.
How long does it take to get an FHA loan in Kansas?
The typical FHA loan process in Kansas takes 30 to 45 days from application to closing. Delays can occur if additional documentation is needed or if the property requires repairs. A local specialist can help you prepare documents in advance to speed up the process.
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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 Kansas.