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Compare fha loan specialists in Cottage Grove. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Cottage Grove, 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 Cottage Grove, 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.
PHH Home Loans
7750 Harkness Ave S, Cottage Grove, MN 55016
6517696848
Bre Garcia-U.S. Bank Mortgage
7200 80th St S, Cottage Grove, MN 55016
6517683201
FHA loan specialists in Cottage Grove, Minnesota help homebuyers secure Federal Housing Administration insured loans. These loans often require a lower down payment and credit score than conventional mortgages. Minnesota law requires all mortgage originators to be licensed through the Minnesota Department of Commerce, ensuring borrowers work with qualified professionals.
What Does a FHA Loan Specialist in Cottage Grove Cost?
Typical costs for an FHA loan in Minnesota include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual premium of 0.55 to 0.85 percent depending on loan term and down payment. Closing costs generally range from 2 to 5 percent of the purchase price. Origination fees vary by lender but are often capped at 1 percent. 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 requirements in Cottage Grove Minnesota?
FHA loans require a minimum 3.5 percent down payment with a credit score of 580 or higher. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. The property must meet FHA appraisal standards and be the borrower's primary residence.
Are there Minnesota specific limits for FHA loans in Cottage Grove?
Yes, FHA loan limits vary by county. For Washington County where Cottage Grove is located, the 2024 FHA loan limit for a single family home is $498,257. These limits are set annually by the Department of Housing and Urban Development based on median home prices.
How do I find a licensed FHA loan specialist in Cottage Grove?
You can verify a loan specialist's license through the Nationwide Multistate Licensing System (NMLS) database. Minnesota requires all mortgage loan originators to hold an active license. Local banks, credit unions, and mortgage companies in Cottage Grove often have specialists who process FHA loans.
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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 Minnesota.