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Compare fha loan specialists in Rapid City. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Rapid City, SD
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 South Dakota before hiring.
Showing 20 fha loan specialists in Rapid City, SD
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Affiliated Mortgage - Premier Home Loan Lender
1301 W Omaha St Suite 118, Rapid City, SD 57701
6057189820
Blue Ribbon Mortgage and Investments
2025 Jackson Blvd, Rapid City, SD 57702
6053438087
Hannah Beachem - Granite Mortgage
219 Founders Park Dr Suite 3, Rapid City, SD 57702
6052092809
Luke Dye
909 St Joseph St Seventh Floor, Rapid City, SD 57701
6054305613
Amber Matt - Mortgage Loan Officer
902 Main St, Rapid City, SD 57701
6059395911
Angelia Dale - Gateway Mortgage
343 Quincy St Unit 102, Rapid City, SD 57701
6056462024
Josh Campbell
Seventh Floor, 909 St Joseph St, Rapid City, SD 57701
6058004111
USA Mortgage | Laci Sosa
550 N 5th St Ste 314, Rapid City, SD 57701
6056909005
Omni Home Financing
1508 Mt Rushmore Rd, Rapid City, SD 57701
6053918777
Heritage Home Lending, LLC
1219 St Joseph St Suite 200, Rapid City, SD 57701
6053401339
Spencer Gossel
909 St Joseph St Seventh Floor, Rapid City, SD 57701
Megan Rae Hildebrand - Heritage Home Lending, LLC - NMLS #2405090
1219 St Joseph St suite 200, Rapid City, SD 57701
6052093724
Carey Gardner
909 St Joseph St Seventh Floor, Rapid City, SD 57701
6052198056
An FHA loan specialist in Rapid City, South Dakota can help you navigate the Federal Housing Administration loan process. South Dakota law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand the unique housing market in the Black Hills area and can guide you through FHA requirements for properties in Pennington County.
What Does a FHA Loan Specialist in Rapid City Cost?
Typical costs for FHA loan specialist services in South Dakota include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Third-party costs such as appraisal and title fees vary by lender and property. 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 Rapid City?
An FHA loan specialist helps borrowers understand FHA loan requirements and guides them through the application process. They review credit scores, debt-to-income ratios, and property eligibility for homes in Rapid City and surrounding areas.
What are the FHA loan limits for Rapid City South Dakota?
FHA loan limits for Rapid City are set by the Department of Housing and Urban Development and vary by county. For 2024 the single-family home limit in Pennington County is typically around $498,257. A specialist can confirm the current limit for your specific situation.
Do I need a special license to be an FHA loan specialist in South Dakota?
Yes, all mortgage loan originators in South Dakota must hold a valid license through the Nationwide Multistate Licensing System. They must also complete continuing education courses approved by the South Dakota Division of Banking.
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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 South Dakota.