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Find FHA Loan Specialists in Troy, OH

Browse fha loan specialists serving Troy, Ohio. Contact information and addresses listed below.

13 agents listed
Updated June 2026
Troy, 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 State Mortgage Licensing Authority of Ohio before hiring.
Showing 13 fha loan specialists in Troy, 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.
Advance America
765 W Market St, Troy, OH 45373
(937) 332-0058 advanceamerica.net
Mariner Finance
1870 W Main St, Troy, OH 45373
(937) 703-9381 locations.marinerfinance.com
PrimeLending, A PlainsCapital Company - Troy OH
1855 Towne Park Dr B, Troy, OH 45373
(937) 401-3394 lo.primelending.com
Joe Vichich at Rate (NMLS #1420737)
224 S Market St suite c, Troy, OH 45373
(937) 306-6934 rate.com
Lendmark Financial Services LLC
1928 W Main St, Troy, OH 45373
(937) 296-2211 lendmarkfinancial.com
Union Home Mortgage
1001 S Dorset Rd # B, Troy, OH 45373
(937) 368-4330 uhm.com
loanDepot
2351 W Main St, Troy, OH 45373
(937) 753-7050 loandepot.com
Joe Vichich, Movement Mortgage
224 S Market St suite c, Troy, OH 45373
(937) 239-5679 rate.com
Fifth Third Mortgage - Chris Losey
1851 W Main St, Troy, OH 45373
(937) 524-9948 mortgageadvisors.53.com
Allison Cruea-U.S. Bank Mortgage
910 W Main St, Troy, OH 45373
(937) 332-8310 mortgage.usbank.com
Western Ohio Mortgage Corp.
225 E Main St, Troy, OH 45373
(937) 552-2820 westernohiomortgage.com
Rate
224 S Market St suite c, Troy, OH 45373
(614) 796-0811 rate.com
US Bank Mortgage
910 W Main St, Troy, OH 45373
(800) 872-2657 usbank.com

An FHA loan specialist in Troy, Ohio can help you navigate the Federal Housing Administration loan process, which is popular for first-time homebuyers and those with lower credit scores. Ohio law requires all mortgage loan originators to be licensed through the Ohio Division of Financial Institutions. Local specialists understand the Troy real estate market and can guide you through FHA appraisal requirements specific to the area.

What Does a FHA Loan Specialist in Troy Cost?

Typical costs for an FHA loan in Ohio include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual mortgage insurance premium ranging from 0.45 to 1.05 percent. Closing costs generally range from 2 to 5 percent of the purchase price. Lender fees vary by institution. 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 requirements in Ohio?
FHA loans in Ohio require a minimum credit score of 580 for a 3.5 percent down payment, or 500 with a 10 percent down payment. The property must meet FHA appraisal standards, and the borrower must have a valid Social Security number and steady employment history.
How do I find a licensed FHA loan specialist in Troy?
You can search the Ohio Division of Financial Institutions license lookup tool online to verify a loan officer license. Local mortgage brokers and banks in Troy often employ specialists who focus on FHA loans. Ask for referrals from your real estate agent or local housing counseling agency.
What is the FHA loan limit for Miami County Ohio?
For 2024, the FHA loan limit for a single-family home in Miami County, which includes Troy, is $498,257. This limit can change annually based on the area median home price. Higher limits apply for multi-unit properties.

FHA Loan Specialists in Other Ohio Cities

Akron · Alliance · Amherst · Aurora · Avon · Batavia · Beachwood · Beavercreek · Bellbrook · Blacklick · Blue Ash · Boardman · Bowling Green · Broadview Heights · Brunswick

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Legal Notice BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal 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 state mortgage licensing authority association before hiring.

About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of Ohio.

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