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Find FHA Loan Specialists Near You in O'Fallon, MO
Compare fha loan specialists in O'Fallon. Review contact information and insurance categorys before you decide.
15 agents listed
Updated May 2026
O'Fallon, 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 15 fha loan specialists in O'Fallon, 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
947 Waterbury Falls Dr, O'Fallon, MO 63368
6366144599
Cross Country Mortgage - Melisa Jones
111 Ungerboeck Park Suite 200, O'Fallon, MO 63368
6364399265
Dan Main
947 Waterbury Falls Dr, O'Fallon, MO 63368
6362844144
Mortgage Partner's Group L.L.C.
121 Triad Center W, O'Fallon, MO 63366
3144220649
New American Funding - Sheri Ryan
2299 Technology Dr, O'Fallon, MO 63368
6363571393
Jim Weston - Preferred Rate
3018 Winghaven Blvd, O'Fallon, MO 63368
6367340565
STL Loan Advisors
2528 State Hwy K Suite 204F, O'Fallon, MO 63368
2176915400
Melissa Gibbons - Preferred Rate
3018 Winghaven Blvd, O'Fallon, MO 63368
3144849453
Wyatt Ragar - Preferred Rate
3018 Winghaven Blvd, O'Fallon, MO 63368
3144130202
New American Funding - Jeff Schukar
2299 Technology Dr Suite 310, O'Fallon, MO 63368
3149366389
New American Funding - O'Fallon, MO
2299 Technology Dr Suite 310, O'Fallon, MO 63368
6362055223
CitiMortgage
1000 Technology Dr, O'Fallon, MO 63368
8002837918
Bruce A Williams
1676 Bryan Rd, O'Fallon, MO 63368
6364435330
Mortgage 143
300 Fort Zumwalt Square # 111, O'Fallon, MO 63366
3143070369
Preferred Rate - O'Fallon
3018 Winghaven Blvd, O'Fallon, MO 63368
3145961182
FHA loan specialists in O'Fallon, Missouri help homebuyers secure loans insured by the Federal Housing Administration. These loans often require lower down payments and credit scores than conventional loans. Missouri law requires all mortgage loan originators to be licensed through the Missouri Division of Finance.
What Does a FHA Loan Specialist in O'Fallon Cost?
Typical costs for an FHA loan specialist in Missouri include an origination fee of 1% to 2% of the loan amount, plus third-party fees for appraisal, credit report, and title services. Appraisal fees in O'Fallon range from $500 to $700. Closing costs generally total 3% to 5% of the loan amount. 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 FHA loan limits for O'Fallon Missouri?
For 2025, the FHA loan limit for a single-family home in St. Charles County, including O'Fallon, is $498,257. This amount is set by the Department of Housing and Urban Development and may change annually.
What is the minimum down payment for an FHA loan in Missouri?
The minimum down payment for an FHA loan is 3.5% of the purchase price if your credit score is 580 or higher. If your credit score is between 500 and 579, you may need a 10% down payment.
Do I need mortgage insurance for an FHA loan in Missouri?
Yes, FHA loans require both an upfront mortgage insurance premium of 1.75% of the loan amount and an annual premium that varies based on loan term and amount. The annual premium typically ranges from 0.45% to 1.05% of the loan balance.
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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.