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Directory of fha loan specialists in Mendota Heights, Minnesota. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Mendota Heights, 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 8 fha loan specialists in Mendota Heights, 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.
Spectra Home Mortgage
750 S Plaza Dr #319, Mendota Heights, MN 55120
6513348657
Mutual of Omaha Mortgage - Tom Mattaini
800 S Plaza Dr, Mendota Heights, MN 55120
6512455855
Mutual of Omaha Mortgage - Tom Reichenbach
800 S Plaza Dr, Mendota Heights, MN 55120
6512556501
Paul Melby LendSmart Mortgage
750 S Plaza Dr Suite #219, Mendota Heights, MN 55120
9522150505
New American Funding - Mendota Heights, MN
800 S Plaza Dr, Mendota Heights, MN 55120
6513333063
Mutual of Omaha Mortgage
800 S Plaza Dr, Mendota Heights, MN 55120
6512556501
Gabriel Financial Group, Inc.
1171 Northland Dr Suite 100, Mendota Heights, MN 55120
6519941555
Fairway Independent Mortgage Corporation
1200 Centre Pointe Curve #300, Mendota Heights, MN 55120
6518888171
An FHA loan specialist in Mendota Heights, Minnesota helps homebuyers navigate Federal Housing Administration loans. These loans are popular in Minnesota due to lower down payment requirements and flexible credit guidelines. Local specialists understand Minnesota Housing Finance Agency programs that can pair with FHA loans for additional assistance.
What Does a FHA Loan Specialist in Mendota Heights Cost?
Typical costs for an FHA loan specialist in Minnesota include an origination fee of 1 to 2 percent of the loan amount. Upfront mortgage insurance premium is 1.75 percent of the loan, and annual mortgage insurance premiums range from 0.45 to 1.05 percent. Closing costs in Mendota Heights average 2 to 5 percent of the purchase price. 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 FHA loan limits for Mendota Heights in 2025?
FHA loan limits for Dakota County, which includes Mendota Heights, are set by the Department of Housing and Urban Development. For 2025, the single-family home limit is $498,257. Higher limits apply for multi-unit properties.
What is the minimum down payment for an FHA loan in Minnesota?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price. This applies to borrowers with a credit score of 580 or higher. Borrowers with scores between 500 and 579 may need a 10 percent down payment.
Are there Minnesota-specific requirements for FHA loans?
Yes, Minnesota law requires FHA loan specialists to be licensed by the Minnesota Department of Commerce. Borrowers must also complete a homebuyer education course if using certain down payment assistance programs through Minnesota Housing.
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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.