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Showing 2 fha loan specialists in Raytown, 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.
Security Finance
7314 Raytown Rd B, Raytown, MO 64133
8163138292
Synergy One Lending KC
10110 E 63rd St Suite 100, Raytown, MO 64133
9132053403
What Does a FHA Loan Specialist in Raytown Cost?
Typical costs for an FHA loan specialist in Missouri include an origination fee of 1 to 2 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Other costs may include appraisal fees around $500 to $700 and credit report fees of $30 to $50. Costs vary by lender and loan size. 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 Raytown Missouri?
For 2025, the FHA loan limit for a single-family home in Jackson County, which includes Raytown, is $498,257. This limit applies to standard FHA loans and may be higher for multi-unit properties.
What credit score is needed for an FHA loan in Missouri?
The minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but must put down 10 percent. Each lender may set higher requirements.
Are there Missouri-specific FHA loan requirements?
Missouri does not have state-specific FHA rules beyond federal guidelines. However, all FHA loans in Missouri require a property appraisal by an FHA-approved appraiser and must meet minimum property standards. Missouri also requires a 30-day waiting period after a foreclosure before applying for a new FHA loan.