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Directory of fha loan specialists in Henderson, Kentucky. Verify credentials with the state mortgage licensing authority before hiring.
11 agents listed
Updated May 2026
Henderson, 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 11 fha loan specialists in Henderson, 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.
Advance America
2606 Zion Rd Ste C-2, Henderson, KY 42420
2708278083
World Finance
2606 Zion Rd Space M, Henderson, KY 42420
2708699797
Mariner Finance
2606 Zion Rd, Henderson, KY 42420
2708267702
Liberty Federal Credit Union | Henderson
349 Starlite Dr, Henderson, KY 42420
8442003029
OneMain Financial
708 2nd St, Henderson, KY 42420
2708269551
Habitat For Humanity of Henderson, Ky
1030 3rd St, Henderson, KY 42420
2708260015
Peoples Choice Finance
714 Barret Blvd, Henderson, KY 42420
2708265200
Farm Credit Mid-America
8300 Keach Dr, Henderson, KY 42420
2708263555
Henderson Finance
2480 US-41 Suite F, Henderson, KY 42420
2702121290
Bill Denton Mortgage Network
126 N Main St, Henderson, KY 42420
2708311822
Lendmark Financial Services LLC
1111 Barrett Ct Suite D, Henderson, KY 42420
2702125700
FHA loan specialists in Henderson Kentucky help borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. Kentucky law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Working with a local specialist ensures you understand Henderson-specific property values and FHA loan limits for Henderson County.
What Does a FHA Loan Specialist in Henderson Cost?
Typical costs for an FHA loan in Kentucky include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual MIP of 0.55% to 0.85% depending on loan term and down payment. Closing costs in Henderson usually range from 3% to 5% of the purchase price including appraisal fees title insurance and lender fees. These costs vary by lender loan amount and property type. 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 are the FHA loan limits for Henderson Kentucky?
For 2025 the FHA loan limit for a single-family home in Henderson County is $498,257. This limit applies to most areas and is set by the Department of Housing and Urban Development (HUD). Higher limits may apply for multi-unit properties.
Do I need a minimum credit score for an FHA loan in Kentucky?
FHA loans require a minimum credit score of 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. Kentucky lenders may have additional overlays so check with your specialist.
What documents do I need to apply for an FHA loan in Henderson?
You typically need pay stubs from the last 30 days W-2 forms from the last two years tax returns bank statements and a valid government ID. Self-employed borrowers must also provide profit and loss statements. Your specialist will guide you through the full list.
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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.