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Looking for a fha loan specialist in Watertown? Review the directory below to compare your options.
5 agents listed
Updated May 2026
Watertown, WI
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 Wisconsin before hiring.
Showing 5 fha loan specialists in Watertown, WI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Check `n Go
1606 S Church St, Watertown, WI 53094
9202612222
World Finance
302 W Main St, Watertown, WI 53094
9202622065
Summit Credit Union
1610 S Church St, Watertown, WI 53094
6082435000
Bank of Lake Mills
400 Bernard St, Watertown, WI 53094
9202069480
ProVisor Inc.
1509 E Main St, Watertown, WI 53094
9205450000
An FHA loan specialist in Watertown, Wisconsin helps homebuyers navigate FHA-insured mortgages, which require a lower down payment and credit score than conventional loans. Wisconsin law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Watertown residents can work with local specialists to understand FHA loan limits for Jefferson and Dodge counties.
What Does a FHA Loan Specialist in Watertown Cost?
Typical costs for an FHA loan in Wisconsin include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual premium of 0.55 to 0.85 percent. Closing costs in Watertown generally range from 2 to 5 percent of the purchase price, including appraisal fees of $400 to $700 and title insurance of $1,000 to $2,000. Costs vary by lender and loan size. This is general information, 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 limits for Watertown Wisconsin?
For 2025, the FHA loan limit for a single-family home in Jefferson County is $524,225 and in Dodge County it is $498,257. These limits apply to standard FHA loans and may be higher for multi-unit properties.
What credit score is needed for an FHA loan in Wisconsin?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Wisconsin lenders may have their own overlays.
Are there Wisconsin-specific rules for FHA loans?
Wisconsin requires FHA loans to comply with state foreclosure laws, including a six-month redemption period for owner-occupied properties. The state also mandates that lenders provide a Good Faith Estimate and other disclosures under Wisconsin Administrative Code DFI-Bkg 80.
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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 Wisconsin.