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Directory of fha loan specialists in Murray, Kentucky. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Murray, 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 2 fha loan specialists in Murray, 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.
James Mortgage
201 Poplar St Suite B, Murray, KY 42071
2702883007
FT Home Loans
310 N 12th St, Murray, KY 42071
2702932345
FHA loan specialists in Murray Kentucky help borrowers qualify for government-backed mortgages with low down payments. These loans are popular in the local housing market and follow federal guidelines set by HUD. Kentucky law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Murray Cost?
Typical costs for an FHA loan in Kentucky include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual MIP 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 loan this means approximately 3,500 dollars in UFMIP and 4,000 to 10,000 dollars in total closing costs. 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 is needed for an FHA loan in Murray Kentucky?
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 in Murray may have its own overlays on top of these minimums.
Are FHA loans assumable in Kentucky?
Yes FHA loans are assumable by a qualified buyer. This can be a benefit when selling a home in Murray if interest rates have risen. The buyer must meet standard credit and income requirements to take over the existing loan.
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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.