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Find FHA Loan Specialists Near You in Owatonna, MN
Directory of fha loan specialists in Owatonna, Minnesota. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Owatonna, 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 3 fha loan specialists in Owatonna, 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.
Brenda Bednar at CrossCountry Mortgage
214 S Oak Ave, Owatonna, MN 55060
5074551858
Eric Miller-U.S. Bank Mortgage
132 W Broadway St, Owatonna, MN 55060
5074442202
CrossCountry Mortgage, LLC
214 S Oak Ave, Owatonna, MN 55060
5074551858
An FHA loan specialist in Owatonna can help you navigate the Federal Housing Administration loan process. These loans are popular in Minnesota due to lower down payment requirements and flexible credit guidelines. Local specialists understand Steele County housing market conditions and Minnesota specific mortgage regulations.
What Does a FHA Loan Specialist in Owatonna Cost?
Typical costs for an FHA loan specialist in Minnesota include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. These costs vary by lender and borrower credit profile. 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 limits for Owatonna Minnesota in 2025?
For 2025 the FHA loan limit for a single family home in Steele County is $498,257. This limit applies to most standard FHA loans in the Owatonna area.
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 if your credit score is 580 or higher. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment.
Are there Minnesota specific requirements for FHA loans?
Minnesota requires all FHA loans to include a home inspection and a pest inspection. The state also mandates that the property meet minimum property standards set by HUD. Local Owatonna lenders may have additional overlays.
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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.