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Find FHA Loan Specialists Near You in Yellow Springs, OH
Directory of fha loan specialists in Yellow Springs, Ohio. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Yellow Springs, 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 Yellow Springs, 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.
Sheila Dunphy-Pallotta, Dunphy Real Estate Inc.
251 Xenia Ave, Yellow Springs, OH 45387
9377671140
Yellow Springs Home Inc
305 N Walnut St A, Yellow Springs, OH 45387
9377672790
US Bank Mortgage
266 Xenia Ave, Yellow Springs, OH 45387
8008722657
An FHA loan specialist in Yellow Springs Ohio can help you navigate the process of obtaining a Federal Housing Administration insured mortgage. These loans are 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.
What Does a FHA Loan Specialist in Yellow Springs Cost?
Typical costs for an FHA loan specialist in Ohio include an origination fee of 1 percent to 1.5 percent of the loan amount. You may also pay an upfront mortgage insurance premium of 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.45 percent to 1.05 percent depending on loan terms. These costs vary by lender and borrower profile. 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 does an FHA loan specialist do in Yellow Springs Ohio?
An FHA loan specialist guides you through the application and approval process for an FHA insured mortgage. They help you understand down payment requirements and property eligibility. In Ohio, the specialist must hold a valid mortgage loan originator license.
What are the down payment requirements for an FHA loan in Ohio?
FHA loans typically require a minimum down payment of 3.5 percent of the purchase price. This amount can come from gifts or approved down payment assistance programs. Ohio offers several state specific programs that may help with these costs.
Are there property condition requirements for FHA loans in Yellow Springs?
Yes, FHA loans require a property appraisal that meets minimum health and safety standards. The home must be owner occupied and pass an FHA approved inspection. Ohio law does not add extra requirements beyond federal FHA guidelines.
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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.