FHA VS Conventional loan programs in 2025 for Carefree, Maricopa County, Arizona

In 2025, the Conventional loan limit for single-family homes in Carefree, located in Maricopa county, AZ, is $726,200, while the FHA maximum is $530,150.

Use the Lendersa® Conventional loan calculator to assess and compare today’s top rates for Conventional versus FHA and USDA loans. Determine the necessary income, credit, and reserves needed, along with documents for qualification. Our advanced mortgage calculator offers a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans to aid in choosing the most suitable program for your needs in AZ.

View loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Carefree, Maricopa, AZ

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $353,200 0%
FHA $530,150 3.5%

This comparison table applies to these zip codes: 85377

Explore Conventional and FHA Loan Options in Carefree, AZ

At Lendersa®, our objective is to quickly secure the best possible Conventional, USDA, or FHA loan without hassle. Choose from one of three pathways that lead to matched lenders and loan programs tailored to your needs.

Lendersa USDA loan request and results


  • FORMULA MORTGAGE CAPITAL CORPORATION
  • 16420 N. 92nd St, Suite 220, Scottsdale, AZ, 85260
  • The Formula Mortgage Capital Corporation team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically
  • WAIN CAPITAL LLC
  • 15721 North Greenway Hayden Loop, Suite 102, Scottsdale, AZ, 85260
  • Wain Capital is a Mortgage Brokerage, with extensive experience and licenses in Arizona, California and Colorado. As an independent mortgage broker we specialize exclusively in home loans but give more options and have more products than your traditional lenders. Constantly analyzing the mortgage bonds and treasury markets
  • INTENT MORTGAGE, LLC
  • 7590 E. Gray Rd, Suite 104, Scottsdale, AZ, 85260
  • Intent Mortgage stays ahead of the competition by leveraging modern technology to increase efficiency and ultimately, home buyer satisfaction. "Low Rate, Consumer First Mortgage Lending"​ isn't just our dual Mission Statement - it's a promise we make to our clients that we intend to keep.
  • NSB Mortgage
  • 14362 North Frank Lloyd Wright Blvd, Suite 1000, Scottsdale, AZ, 85260
  • At NSB Mortgage our mission is to ensure our clients receive the utmost attention to detail with regards to each of their individual needs. As a full service mortgage company we do not focus on costly overhead, but rather we feel strongly about our loan products and quality of service we provide, as well as, any recommendations from our clients.
  • LM2 Investment Group
  • 9160 East Bahia Drive, Suite 105, Scottsdale, AZ, 85260
  • "The LM2 Investment Group was founded by three investors with over 30 years of mortgage and real estate experience.We offer hard money, private loan funding for up to 2 years. We know not all transactions are alike and consider each transaction separately using an equity-based foundation."
  • Kenwood Mortgage Investments
  • 7950 East Redfield Road, Suite 110, Scottsdale, AZ, 85260
  • "Kenwood Mortgage Investments. We are a 26 year old family mortgage company that makes real estate loans that the banks or traditional lenders don’t do, or they don’t do fast enough. Think of Kenwood as a reliable source for $50,000 to $5,000,000 by Friday. Sometimes we really do work that fast, and we’ve been doing it for more than 26 years."
  • Hard Money Lenders Arizona
  • 7621 E. Gray Road, Suite B2, Phoenix, AZ, 85260
  • Hard money lender arizona provide various loan options for short sales, fix and flips, residential owner or non-owner occupied properties, rehab loans, commercial loans, REO purchases, trustee sales, cash out refinances, business investment properties, construction or land loans and more.
  • Hanson Capital
  • 7621 E. Gray Road. Suite B2, Scottsdale, AZ, 85260
  • Hanson Capital Group is a team of commercial real estate experts with a combined 50+ years of experience in the industry, offering a unique approach to investing in commercial real estate. We specialize in net lease, development and repositions, and offer a wide range of finance options from hard money and bridge loans.
  • Forward Holdings LLC
  • 4550 East Cactus Road, Suite 250, Phoenix, AZ, 85032
  • Forward is a licensed mortgage brokerage, serving the lending needs of individuals looking to buy homes and customers looking to refinance. Our focus; providing personal and specialized mortgage services to meet each client’s specific needs. we Specialties in mortgage broker, first mortgages, first time home buyer, mortgage rates etc
  • Creative Home Loans L.L.C.
  • 16401 North 40th Street, Phoenix, AZ, 85032
  • Creative Home Loans LLC will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you.
  • Loanatik, L.L.C.
  • 4550 East Cactus Road, Suite 250, Phoenix, AZ, 85032
  • Loanatik is a fun and slightly irreverent consumer brand providing residential mortgages to qualified borrowers. The mission of the company is to reimagine the process of getting a mortgage from application through secondary marketing. Our goal is to empower borrowers in a simplified application process, making it easy and efficient to borrow.
  • COUNTRYFIRST MORTGAGE
  • 4568 E Cactus Rd, Suite 70, Phoenix, AZ, 85032
  • We make it extremely easy for you to get the right loan for your circumstances, hassle-free. Before you know it, you’ll have a mortgage loan that best fits your specific needs, saving you time and money. CountryFirst Mortgage works with you every step of the way, from Pre-Qualification to selecting the type of loan that is right for you.