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Directory of fha loan specialists in Shelby, Ohio. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Shelby, OH
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 Ohio before hiring.
Showing 3 fha loan specialists in Shelby, OH
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
PHOENIX FINANCIAL SOLUTIONS, INC.-Shelby, OH
3954 Industrial Pkwy, Shelby, OH 44875
4193422151
US Bank Mortgage
85 W Main St, Shelby, OH 44875
4193472111
Civista Bank Mortgage
156 Mansfield Ave, Shelby, OH 44875
4193421610
FHA loan specialists in Shelby Ohio help borrowers secure mortgages insured by the Federal Housing Administration. Ohio law requires all mortgage loan originators to be licensed through the Ohio Division of Financial Institutions. These specialists guide clients through FHA requirements including minimum down payments and property condition standards specific to Ohio.
What Does a FHA Loan Specialist in Shelby Cost?
FHA loan specialist fees in Ohio typically range from 1 to 2 percent of the loan amount. This includes origination fees and processing costs. The upfront mortgage insurance premium is 1.75 percent of the loan amount. Annual mortgage insurance premiums vary from 0.45 to 1.05 percent depending on loan term and loan-to-value ratio. 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 are the FHA loan limits for Shelby Ohio?
FHA loan limits for Shelby Ohio are based on Richland County limits. For 2025 the single-family home limit is $524,225. These limits are set by HUD and may change annually.
Do I need a special license to be an FHA loan specialist in Ohio?
Yes all mortgage loan originators in Ohio must hold a valid license through the Nationwide Multistate Licensing System. Ohio Revised Code Section 1322 requires this license for anyone who takes a residential mortgage loan application.
What credit score is needed for an FHA loan in Shelby Ohio?
The minimum FHA credit score is typically 580 for a 3.5 percent down payment. With a score between 500 and 579 you may qualify with a 10 percent down payment. Individual lenders may set higher requirements.
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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 Ohio.