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Directory of fha loan specialists in Liberty, Missouri. Verify credentials with the state mortgage licensing authority before hiring.
12 agents listed
Updated May 2026
Liberty, 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 12 fha loan specialists in Liberty, 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.
An FHA loan specialist in Liberty Missouri can guide you through the process of obtaining a Federal Housing Administration insured mortgage. These loans are popular for first time homebuyers and those with lower credit scores. Missouri law requires all mortgage loan originators to be licensed through the Missouri Division of Finance, ensuring professional standards for Liberty residents.
What Does a FHA Loan Specialist in Liberty Cost?
Typical costs for an FHA loan specialist in Missouri include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium between 0.45 and 1.05 percent. Origination fees charged by the lender usually range from 0.5 to 1.5 percent of the loan. Other costs like appraisal fees in Liberty average $500 to $700. 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 does an FHA loan specialist in Liberty do?
An FHA loan specialist helps you understand FHA loan requirements, assists with the application process, and ensures your loan meets HUD guidelines. They also advise on Missouri specific property eligibility and local appraisal standards.
What are the credit score requirements for an FHA loan in Missouri?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. These rules apply uniformly across Missouri including Liberty.
Are there any Missouri specific limits for FHA loans in Liberty?
Yes FHA loan limits vary by county. For Clay County which includes Liberty the 2024 FHA loan limit for a single family home is $498,257. This amount is adjusted annually based on local housing costs.
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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.