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Looking for a fha loan specialist in Des Peres? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Des Peres, 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 2 fha loan specialists in Des Peres, 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.
Flat Branch Home Loans
11780 Manchester Rd #106, Des Peres, MO 63131
3142220730
U.S. Bank-Mortgage Loan Officer-John Hoover
12223 Manchester Rd, Des Peres, MO 63131
6363912357
FHA loan specialists in Des Peres, Missouri help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. These loans are popular in St. Louis County due to competitive interest rates and the ability to use gift funds for down payments. Missouri law requires FHA loans to meet specific property condition standards, which your specialist can explain during the pre-approval process.
What Does a FHA Loan Specialist in Des Peres Cost?
Typical costs for FHA loan specialist services in Missouri include an origination fee of 1 to 2 percent of the loan amount, plus third-party fees for appraisal, credit report, and title work. For a $250,000 loan, total closing costs often range from $7,500 to $15,000. The upfront mortgage insurance premium is 1.75 percent of the loan amount, and annual mortgage insurance premiums are 0.55 percent for most loans. Note that costs vary by situation and lender. 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 the minimum credit score requirements for an FHA loan in Des Peres?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Your specialist will review your specific situation.
Are there income limits for FHA loans in Missouri?
FHA loans do not have strict income limits, but your debt-to-income ratio must be within acceptable guidelines. For 2024, the maximum loan limit for a single-family home in St. Louis County is $498,257. Lenders will verify your income and employment history.
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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.