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Directory of fha loan specialists in Cottleville, Missouri. Verify credentials with the state mortgage licensing authority before hiring.
7 agents listed
Updated May 2026
Cottleville, MO
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 Missouri before hiring.
Showing 7 fha loan specialists in Cottleville, MO
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
USA Mortgage
5377 State Rte N, Cottleville, MO 63304
6362444720
Magnolia Mortgage
5377 State Rte N Ste 214, Cottleville, MO 63304
6367348605
Hutto Mortgage Team
5377 State Rte N Ste. 217, Cottleville, MO 63304
8165506256
Home Loans with Integrity
3895 Mid Rivers Mall Dr, Cottleville, MO 63376
6365789453
Drew Quinones-USA Mortgage
5377 State Rte N, Cottleville, MO 63304
6365773160
Integrity Mortgage of Missouri Corp
3893 Mid Rivers Mall Dr, Cottleville, MO 63376
3146518014
Mark Hayden-USA Mortgage
5377 State Rte N, Cottleville, MO 63304
6367347971
FHA loan specialists in Cottleville, Missouri help homebuyers secure loans insured by the Federal Housing Administration. These loans are popular in St. Charles County due to lower down payment requirements and flexible credit guidelines. Missouri law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Cottleville Cost?
Typical costs for an FHA loan specialist in Missouri include an origination fee of 1 to 2 percent of the loan amount and an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the base loan amount. Annual mortgage insurance premiums (MIP) range from 0.45 to 1.05 percent depending on loan term and down payment. Closing costs in Cottleville usually total 3 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 is an FHA loan specialist in Cottleville?
An FHA loan specialist is a licensed mortgage professional who guides borrowers through the FHA loan process. They help with credit requirements, down payment options, and property eligibility for homes in Cottleville and surrounding areas.
What are the down payment requirements for an FHA loan in Missouri?
FHA loans typically require a minimum down payment of 3.5 percent of the purchase price. This applies to homes in Cottleville and across Missouri. The down payment can come from gifts or approved assistance programs.
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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 Missouri.