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Browse fha loan specialists serving Cold Spring, Minnesota. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Cold Spring, MN
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 Minnesota before hiring.
Showing 2 fha loan specialists in Cold Spring, MN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Keystone Home Finance
215 1st St S, Cold Spring, MN 56320
3202602029
John Munson/ Keystone Home Finance
215 1st St S suite 102, Cold Spring, MN 56320
3202601390
An FHA loan specialist in Cold Spring, Minnesota can guide you through the process of obtaining a government-backed mortgage. These loans are popular in central Minnesota for first-time homebuyers and those with lower credit scores. Minnesota law requires all mortgage originators to be licensed through the Minnesota Department of Commerce, ensuring a standard of professional conduct.
What Does a FHA Loan Specialist in Cold Spring Cost?
Typical costs for an FHA loan in Minnesota include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Closing costs generally range from 2 to 5 percent of the purchase price, or about $5,000 to $12,500 on a $250,000 home. These costs vary based on the lender, loan size, and property location. 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 do in Cold Spring?
An FHA loan specialist helps borrowers understand FHA loan requirements, gather necessary documents, and submit a complete application. They also advise on Minnesota-specific property standards and local appraisal guidelines.
What are the FHA loan limits for Cold Spring Minnesota?
For 2025, the FHA loan limit for a single-family home in Stearns County, which includes Cold Spring, is $498,257. This limit applies to standard FHA loans and may be higher for duplexes or triplexes.
How long does the FHA loan process take in Minnesota?
The typical FHA loan process in Minnesota takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs required by FHA guidelines or if appraisal issues arise.
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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 Minnesota.