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Looking for a fha loan specialist in Florence? Review the directory below to compare your options.
10 agents listed
Updated May 2026
Florence, KY
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 Kentucky before hiring.
Showing 10 fha loan specialists in Florence, 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.
Brad Hamblen at Citywide (NMLS #52831)
6900 Houston Rd STE 25, Florence, KY 41042
8594667230
Union Home Mortgage- Florence
7000 Houston Rd STE 39, Florence, KY 41042
8595341901
Tim Eickhoff, Branch Manager, NMLS 57427
7000 Houston Rd Building 300, Suite 29, Florence, KY 41042
8593933953
Stockton Mortgage Florence, KY | NMLS# 8259
4895 Houston Rd, Florence, KY 41042
8593444300
Sophy Kdep - Prosperity Home Mortgage
60 Cavalier Blvd, Florence, KY 41042
8598165626
Entrust Mortgage, LLC
11 Spiral Dr # 18, Florence, KY 41042
8597951846
Seth Freppon, Mortgage Banker, NMLS #2121490
4895 Houston Rd # 101, Florence, KY 41042
8596405460
Rob Trump at American Mortgage
6900 Houston Rd STE 25, Florence, KY 41042
8593490694
Polaris Home Funding Corporation
7000 Houston Rd STE 31, Florence, KY 41042
8595251700
Union Home Mortgage
7724 US-42, Florence, KY 41042
8592013556
An FHA loan specialist in Florence, Kentucky can guide you through the process of obtaining a government-backed mortgage. These loans are popular in Boone County due to lower down payment requirements and flexible credit standards. Kentucky law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Florence Cost?
Typical costs for an FHA loan in Kentucky include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, plus annual mortgage insurance premiums (MIP) ranging from 0.45 to 1.05 percent. Closing costs in Florence usually range from 2 to 5 percent of the purchase price. Lender fees can vary between $500 and $1,500. 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 are the FHA loan limits for Florence Kentucky in 2025?
For 2025, the FHA loan limit for a single-family home in Boone County is $498,257. This amount applies to most areas in Kentucky and is set by the Department of Housing and Urban Development (HUD). Higher limits may apply for multi-unit properties.
Do I need a specific credit score for an FHA loan in Kentucky?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. If your score is between 500 and 579, you may still qualify with a 10 percent down payment. Kentucky lenders may have their own overlays above the FHA minimum.
What documents do I need to apply for an FHA loan in Florence?
You will need recent pay stubs, W-2 forms from the last two years, tax returns, bank statements, and a valid government ID. Kentucky lenders also require proof of residency and a signed application. Your specialist will provide a full checklist.
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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 Kentucky.