Explore the differences! FHA VS Conventional loan programs in Three-Oaks, Lee County, Florida

In 2026, the ceiling for Conventional loans in Three-Oaks, situated in Lee county, FL, is $647,200. For an FHA loan covering a single-family residence, the limit is $420,680.

Leverage Lendersa®'s Conventional loan calculator to contrast today's top rates for Conventional, FHA, and USDA loans. Determine the income, credit score, reserves, and documents necessary for qualification. This advanced mortgage tool facilitates side-by-side comparisons of Conforming Conventional loans alongside USDA, FHA, and VA offers, assisting in deciding the best program available in FL for your financial needs.

Explore offers from over 100 lenders

2026 Loan Limits and Required Down Payments in Three-Oaks, Lee, FL

Type of Loan Loan Cap Initial Down Payment
Conventional Conforming $647,200 3%
USDA $315,100 0%
FHA $420,680 3.5%

Relevant zip codes: 33967

Conventional and FHA Loan Alternatives in Three-Oaks, FL

The ambition of Lendersa® is to secure the finest Conventional, USDA, or FHA loan rapidly with minimal hassle. Begin from one of three routes that ensure a match with appropriate lenders and loan options.

View Lendersa USDA loan request and matching results


Three-Oaks Lenders

  • Cogent Bank
  • 14421 Metropolis Ave, Suite 102, Fort Myers, FL, 33912
  • Lends in Florida
  • Cogent Bank is an innovative and responsive full-service financial institution with unique and diversified products. Our mission is to help clients achieve their financial goals through an exceptional experience, innovative technology, and customized financial solutions.

    We believe banking is personal

  • Prosperity Home Mortgage, LLC
  • 6700 Daniels Parkway, Suite #4, Fort Myers, FL, 33912
  • Lends in Florida
  • Prosperity Home Mortgage, LLC, (Prosperity) a wholly owned subsidiary of The Long & Foster Companies, is a full service mortgage banker that specializes in residential and refinance loans. The Long & Foster Companies is part of HomeServices of America, a Berkshire Hathaway affiliate.

  • AA South Florida Mortgage LLC
  • 13861 Plantation Rd #103, Fort Myers, FL, 33912
  • Lends in Florida
  • AA South Florida Mortgage brings a dynamic work ethic to their clients. Their practice of commitment and drive have brought them success time after time. Their dedication to making a transaction that is agreeable with you allows a smoother transition for your family. AA South Florida Mortgage is content to handle the worrisome details

  • Mortgage Warehouse
  • 13430 Parker Commons Blvd., Unit #103, Fort Myers, FL, 33912
  • Lends in Florida
  • Mortgage Warehouse - We are a mortgage lender that provides home loans to customers looking to purchase or refinance their home. We deliver great rates and service by handling the loan process from start to finish including underwriting and funding our loans. and also Rated A+ with the Better Business Bureau.

  • Uplands Mortgage LLC
  • 15104 Ports of Iona Drive, Fort Myers, FL, 33908
  • Lends in Florida
  • Craig Cornelius Principal at Uplands Mortgage. Uplands Mortgage will come to you at your home or office - including evenings & weekends. Craig has over thirty years of experience in consultative sales, always acting with integrity and a commitment to deliver on his promises. Uplands Mortgage has Operate from 2 Location, Connecticut and Florida.

  • Peoples Mortgage Company
  • 17595 S Tamiami Trail, Suite 215, Fort Myers, FL, 33908
  • Lends in Florida
  • Peoples Mortgage opened its doors in Arizona in 1998 with the mission of offering competitive real estate financing with unmatched service. This straightforward approach has given Peoples a solid reputation in the industry and Peoples Mortgage is dedicated to serving its customers Loan Officers have access to a variety of investors.

  • Florida Mortgage Funding Group LLC
  • 1642 Medical LN, Suite A, Fort Myers, FL, 33907
  • Lends in Florida
  • Florida Mortgage Funding Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that e

  • Island Mortgage of SWFL Inc
  • 5237 Summerlin Commons Blvd, Suite 337, Fort Myers, FL, 33907
  • Lends in Florida
  • We specialize in Conventional, FHA, VA, and Jumbo loan products. Whether you’re looking to purchase or refinance, we have the expertise needed to get you the right loan for you and your family. We offer many loan programs that banks do not offer, and we can get you to the closing table faster too!

  • VIP Realty Group, Inc.
  • 13131 University Dr, Fort Myers, FL, 33907
  • Lends in Florida
  • VIP Realty Group, Inc. is a large contingent of Realtors in the SW Florida area. We have offices in Fort Myers, Naples, Sanibel Island & Captiva Island, and Fort Myers Beach. We have many agents with certain specialties, so if you have a specific product that you would like to bring to the marketplace