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Find FHA Loan Specialists Near You in Waite Park, MN
Looking for a fha loan specialist in Waite Park? Review the directory below to compare your options.
8 agents listed
Updated May 2026
Waite Park, 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 Waite Park, 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.
Homeowners Financial Group
67 10th Ave S, Waite Park, MN 56387
3205293760
PrimeLending, A PlainsCapital Company - St Cloud
314 10th Ave S #160, Waite Park, MN 56387
3202522727
The Laudenbach Team at Homeowners Financial Group USA, LLC
67 10th Ave S, Waite Park, MN 56387
3202908750
Jacob Mueller at Homeowners Financial Group USA, LLC
67 10th Ave S, Waite Park, MN 56387
3202919576
Darrin Shemon at Homeowners Financial Group USA, LLC
67 10th Ave S, Waite Park, MN 56387
8017921700
Kristi Hawker, NMLS: 860288, PrimeLending
314 10th Ave S #160, Waite Park, MN 56387
3203459798
Gary McIntyre at Homeowners Financial Group USA, LLC
67 10th Ave S, Waite Park, MN 56387
6513241887
Vicki Erickson, NMLS: 452438, PrimeLending
314 10th Ave S #160, Waite Park, MN 56387
3203457217
An FHA loan specialist in Waite Park, Minnesota helps borrowers navigate the Federal Housing Administration loan process. Minnesota law requires all mortgage loan originators to be licensed through the Minnesota Department of Commerce. Specialists guide clients through credit requirements, down payment assistance programs, and property eligibility rules specific to the Waite Park area.
What Does a FHA Loan Specialist in Waite Park Cost?
Typical costs for FHA loan services in Minnesota include an upfront mortgage insurance premium of 1.75% of the loan amount and annual mortgage insurance premiums of 0.45% to 1.05%. Lender origination fees range from 0.5% to 1.5% of the loan amount. Third party costs such as appraisal fees in Waite Park average $400 to $700 and title services cost $800 to $1,500. These costs vary by lender, property, and borrower qualifications. 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 minimum credit score requirements for an FHA loan in Waite Park?
FHA loans generally require a minimum credit score of 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. Minnesota law does not impose additional credit score requirements beyond federal FHA guidelines.
Are there down payment assistance programs available in Waite Park for FHA loans?
Yes, Minnesota Housing offers down payment assistance programs that can be used with FHA loans. Eligible borrowers in Waite Park may receive up to $15,000 in deferred loans or grants. These programs have income limits and require completion of a home buyer education course.
How long does the FHA loan process take in Waite Park Minnesota?
The FHA loan process typically takes 30 to 45 days from application to closing. Minnesota law requires lenders to provide a Loan Estimate within three business days of application. Delays can occur if property appraisals reveal needed repairs or if documentation is incomplete.
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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.