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Directory of fha loan specialists in Watertown, South Dakota. Verify credentials with the state mortgage licensing authority before hiring.
19 agents listed
Updated May 2026
Watertown, 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 19 fha loan specialists in Watertown, 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.
Dakotaland Federal Credit Union Watertown
1101 9th Ave SE, Watertown, SD 57201
6058845775
Sarah E Erickson | Fairway Independent Mortgage Corporation Loan Officer
114 W Kemp Ave, Watertown, SD 57201
6057530136
Avanti Federal Credit Union
1620 4th St NE, Watertown, SD 57201
6058822357
Fairway Independent Mortgage Corporation
114 W Kemp Ave, Watertown, SD 57201
6057530136
OneMain Financial
1040 29th St SE, Watertown, SD 57201
6058863770
American Bank & Trust
1715 1st Ave NE, Watertown, SD 57201
6058685450
First Interstate Bank
35 1st Ave NE, Watertown, SD 57201
6058868401
First Bank & Trust | Watertown, SD
1120 9th Ave SE, Watertown, SD 57201
6058828320
Sioux Valley Co-op FCU
712 9th Ave SE, Watertown, SD 57201
6058822706
Lenards Agency
1505 10th Ave SE #2, Watertown, SD 57201
6058862794
Farm Bureau Financial Services: Dane Stahl
414 10th St NW, Watertown, SD 57201
6059547970
Dougherty & Co LLC
119 5th St NE, Watertown, SD 57201
6058821200
Kristin Hill - Financial Advisor, Ameriprise Financial Services, LLC
108 8th Ave SE, Watertown, SD 57201
6058824343
Bob Boes - Reliabank Mortgage - NMLS# 404159
1401 4th St NE, Watertown, SD 57201
6058844445
Wells Fargo Home Mortgage - Linda Larson
20 N Maple, Watertown, SD 57201
6058827144
Farm Credit Services of America
1114 29th St SE, Watertown, SD 57201
6058824030
First Dakota Loan Production Offices
200 E Highland Blvd # 1, Watertown, SD 57201
6057535880
Edward Jones - Financial Advisor: Allen Fannin
210 5th St SE, Watertown, SD 57201
6058824358
Landera
513 10th St NW A, Watertown, SD 57201
6057535880
An FHA loan specialist in Watertown, South Dakota can help you navigate the process of obtaining a government-backed mortgage. South Dakota law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. A local specialist understands Watertown housing market conditions and can guide you through FHA credit score and down payment requirements.
What Does a FHA Loan Specialist in Watertown Cost?
Typical costs for FHA loan specialist services in South Dakota include an origination fee of 1% to 1.5% of the loan amount. Upfront mortgage insurance premium is 1.75% of the loan amount. Annual mortgage insurance premiums range from 0.45% to 1.05% of the loan balance. These costs vary by lender and borrower credit 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 in Watertown do?
An FHA loan specialist helps borrowers understand FHA loan requirements, gather necessary documents, and submit a complete application. They also explain South Dakota specific rules such as property eligibility and maximum loan limits for Codington County.
What are the FHA loan limits for Watertown South Dakota?
For 2024 the FHA loan limit for a single-family home in Codington County is $498,257. This amount may change annually based on the Federal Housing Finance Agency calculations.
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 each year as required by South Dakota Codified Law 54-14.
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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.