Find FHA Loan Specialists Near You in Ashland, KY
Directory of fha loan specialists in Ashland, Kentucky. Verify credentials with the state state mortgage licensing authority before hiring.
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
State Mortgage Licensing Authority of Kentucky before hiring.
Showing 16 fha loan specialists in Ashland, KY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
What Does a FHA Loan Specialist in Ashland Cost?
Typical costs for FHA loan specialist services in Kentucky include an origination fee of 1 percent of the loan amount, plus appraisal fees of $400 to $700, and credit report fees of $30 to $50. The upfront mortgage insurance premium is 1.75 percent of the loan amount, and annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan terms. These costs vary by lender and borrower situation. 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 in Ashland do?
An FHA loan specialist helps you apply for a Federal Housing Administration insured mortgage. They review your credit, income, and debt to determine eligibility. They also explain Kentucky-specific requirements like property condition standards and loan limits for Boyd County.
What are the credit score requirements for an FHA loan in Kentucky?
FHA loans typically 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. Kentucky lenders may have additional overlay requirements beyond FHA minimums.