ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of fha loan specialists in Kelso, Washington. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Kelso, WA
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 Washington before hiring.
Showing 3 fha loan specialists in Kelso, WA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Academy Mortgage
209 W Main St UNIT 103, Kelso, WA 98626
3605776000
OneMain Financial
224 S Kelso Dr, Kelso, WA 98626
3605751854
Kristi Spears VIP Mortgage INC
209 W Main St UNIT 103, Kelso, WA 98626
3609571757
An FHA loan specialist in Kelso, Washington helps borrowers navigate Federal Housing Administration loans, which are popular for first-time homebuyers and those with lower credit scores. Washington state law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Local specialists understand Cowlitz County property values and can guide you through FHA appraisal and underwriting requirements specific to Washington.
What Does a FHA Loan Specialist in Kelso Cost?
Typical costs for FHA loan services in Washington include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual mortgage insurance premium (MIP) ranging from 0.45% to 1.05% depending on loan term and loan-to-value ratio. Lender origination fees generally range from 0.5% to 1.0% of the loan amount. Appraisal fees in Cowlitz County average $500 to $700. 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 Kelso do?
An FHA loan specialist helps you determine if you qualify for an FHA loan, assists with the application process, and ensures compliance with Washington state lending laws. They also help you understand FHA mortgage insurance premiums and down payment requirements.
What are the FHA loan limits for Kelso Washington?
For 2024, the FHA loan limit for a single-family home in Cowlitz County is $498,257. This amount may change annually based on the Federal Housing Finance Agency guidelines. A local specialist can confirm the current limits for your specific property type.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Kelso who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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 Washington.