FHA VS Conventional loan in Safety-Harbor, Pinellas County, Florida

In the year 2026, the conventional loan limit in Safety-Harbor, Pinellas county, FL, is $647,200, while the FHA limit for a single-family residence is $420,680.

Utilize the Lendersa® Conventional loan calculator to assess today's leading rates among Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents required for qualification. With our enhanced mortgage calculator, you can compare Conforming Conventional, USDA, FHA, and VA loans side by side, helping you identify the best program in FL for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Safety-Harbor, Pinellas, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $0 0%
FHA $420,680 3.5%

This comparison table pertains to zip codes: 34695

Exploring Conventional and FHA Loan Options in Safety-Harbor, FL

The aim of Lendersa® is to effortlessly secure the most suitable Conventional, USDA, or FHA loan for you. Choose one of three avenues to find matching lenders and loan programs.

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Safety-Harbor Lenders

  • Embassy Mortgage Group Inc
  • 230 Main Street, Suite B, Safety Harbor, FL, 34695
  • Lends in Florida
  • Embassy Mortgage has a commitment to excellence in service while providing solutions and results in the mortgage process. We pride ourselves with dedicated and sincere personal service. With us you are not a number and will enjoy the attention you deserve. All of our loan officers and processors have Federal and State Mortgage Broker Licenses.

  • Fidelity Funding Mortgage Corp
  • 759 SR 580, Suite 114, Clearwater, FL, 33761
  • Lends in Florida
  • We’re a Florida-based direct lender specializing in both traditional and non-traditional financing options.

    We understand the Florida marketplace and have created a lending platform to serve the unique needs of homebuyers here in the Sunshine State.

    Our branch office is located in Clearwater, FL. Our home office is located in Maitland, FL

  • Professional Mortgage Alliance LLC
  • 28870 US Highway 19 North, Suite 320, Clearwater, FL, 33761
  • Lends in Florida
  • At Mortgage Alliance, LLC, (PMA) was founded in 2014 by its President and CEO Mr. Michael L. Banner. We operate in Florida and New Jersey
    Mr. Banner brings 36 years of mortgage experience to the table and has established PMA as a premier mortgage company offering Fannie Mae, Freddie Mac, FHA, VA and Reverse Mortgages.

  • O.J. MORTGAGE COMPANY INC.
  • 29190 US Hwy 19 N, Clearwater, FL, 33761
  • Lends in Florida
  • OJ Mortgage Inc. do business the old fashioned way – one by one, family by family. We understand that obtaining a mortgage is one of the most important decisions many of us will ever make and it is our duty to make sure that you make the right one for you and your family. We will always provide you with the mortgage program that’s right for you

  • Landmark Mortgage of Tampa Bay Inc
  • 2424 Enterprise Road, Suite F, Clearwater, FL, 33763
  • Lends in Florida
  • We offer the most competitive interest rates in the mortgage industry and the lowest closing costs. Our streamlined approval and in-house processing allows for personal attention to your loan and on time closings with no unpleasant surprises.Our loan officers work individually with each client to find the best loan for your needs.

  • City County Employees Credit Union
  • 1810 N Belcher Rd, Clearwater, FL, 33765
  • Lends in Florida
  • City-County Employees Credit Union is a non-profit cooperative organized to provide our members with low-cost financial services. We were chartered on April 15, 1941 and are governed by a volunteer board of directors who are elected by and from the membership. As a State-chartered, Federally-insured Credit Union.

  • Achieva Credit Union
  • PO Box 1500, Dunedin, FL, 34697
  • Lends in Florida
  • Our mission at Achieva Credit Union is to provide financial solutions that help members simplify their lives and achieve their goals.

    Established along Florida’s Suncoast in 1937, Achieva Credit Union provides GOOD banking experiences to people from all walks of life. Unlike a bank, we are not-for-profit,

  • Rei Loans USA
  • Not sharing, Tampa, FL, 33635
  • Lends in Florida
  • ReiLoansUSA.com specializes in providing tailored financing solutions for real estate investors. We connect clients with funding options for fix-and-flip projects, rental properties, cash-out refinances, and ground-up construction. With a focus on speed, flexibility, and expertise, we help investors achieve their goals through competitive loan prog

  • Movement Mortgage
  • 13603 W. Hillsborough Ave, Tampa, FL, 33635
  • Lends in Florida
  • Movement Mortgage was created in 2008 amidst one of the biggest financial meltdowns in American history. We are committed to being a Movement of Change in the mortgage industry, in corporate cultures and in communities.We have created a corporate culture in which our employees can thrive both personally and professionally.