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Directory of fha loan specialists in Neosho, Missouri. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Neosho, 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 Neosho, 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
1110 W Harmony St suite e, Neosho, MO 64850
4173122019
Total Lending Concepts
125 S Washington St, Neosho, MO 64850
4174565050
An FHA loan specialist in Neosho, Missouri can help you navigate the Federal Housing Administration loan process. Missouri law requires all mortgage loan originators to be licensed through the Missouri Division of Finance. Local specialists understand the Neosho real estate market and can guide you through FHA credit score and down payment requirements.
What Does a FHA Loan Specialist in Neosho Cost?
Typical costs for an FHA loan in Missouri include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual premium of 0.55 to 0.85 percent. Origination fees range from 0.5 to 1.0 percent of the loan. Appraisal fees in the Neosho area are usually between $400 and $600. Closing costs typically total 2 to 5 percent of the purchase price. 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 credit score is needed for an FHA loan in Neosho?
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. Each lender may have its own overlays beyond FHA minimums.
Are there Missouri-specific FHA loan limits for Neosho?
Yes, FHA loan limits vary by county. In Newton County, where Neosho is located, the 2024 single-family home loan limit is typically around $498,257 for a standard loan. Higher limits apply in high-cost areas but Neosho falls under the standard limit.
What documents do I need to apply for an FHA loan in Missouri?
You will need recent pay stubs, W-2 forms, tax returns from the last two years, bank statements, and a valid photo ID. Missouri lenders also require proof of residency and a signed authorization to verify your employment and credit 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.