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Browse fha loan specialists serving St Joseph, Michigan. Contact information and addresses listed below.
11 agents listed
Updated May 2026
St Joseph, MI
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 Michigan before hiring.
Showing 11 fha loan specialists in St Joseph, MI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
United Federal Credit Union - State Street St. Joseph
2819 S State St, St Joseph, MI 49085
8889821400
RE/MAX by the Lake - St. Joseph Office
805 Van Brunt Ave, St Joseph, MI 49085
2692814186
Flagstar Bank
2829 Niles Ave, St Joseph, MI 49085
2699836687
Joy Cluff- Mortgage Loan Advisor
2819 S State St St, St Joseph, MI 49085
2693636953
Trina Halcomb at Rate (NMLS #1105945)
717 Ship St, St Joseph, MI 49085
2699246887
Family Focused Financial
2620 S Cleveland Ave, St Joseph, MI 49085
2692084237
Dave Danikowski at Rate (NMLS #1987671)
717 Ship St, St Joseph, MI 49085
6306067251
John Brown - Mortgage Advisor - United Federal Credit Union
2819 S State St, St Joseph, MI 49085
2699824760
Rate
717 Ship St, St Joseph, MI 49085
6162151020
CMG Financial
800 Port St STE C, St Joseph, MI 49085
2693520579
Flagstar Bank Home Loan Center
2829 Niles Ave, St Joseph, MI 49085
2694227325
FHA loan specialists in St Joseph Michigan help buyers secure government-backed mortgages with lower down payments and flexible credit requirements. Michigan law requires all mortgage loan originators to be licensed through the state Department of Insurance and Financial Services. Local specialists understand the housing market in Berrien County and can guide you through FHA appraisal rules specific to older homes in the area.
What Does a FHA Loan Specialist in St Joseph Cost?
Typical costs for an FHA loan in Michigan 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. Closing costs in St Joseph range from 2 to 5 percent of the purchase price, including appraisal fees around $500 to $700 and title insurance costs. Lender origination fees vary by institution. 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 St Joseph Michigan?
Most FHA lenders require a minimum credit score of 580 for a 3.5 percent down payment. Some lenders may accept scores as low as 500 with a 10 percent down payment. Michigan law does not set a separate state credit score requirement.
Are FHA loan limits different in St Joseph Michigan?
Yes FHA loan limits vary by county. For Berrien County in 2025 the standard FHA loan limit for a single family home is typically around $498,257. Higher limits apply for duplexes and larger properties.
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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 Michigan.