Explore the differences! FHA VS Conventional loan programs in Montezuma, Macon County, Georgia

In 2026, the Conventional loan cap in Montezuma, part of Macon county, GA, is $726,200, whereas the FHA limit for a single-family dwelling is $472,030.

Utilize the Lendersa® Conventional loan calculator to evaluate today's top rates for Conventional, FHA, and USDA loans, and determine the income, credit, reserves, and documentation required for eligibility. Our comprehensive mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA options, assisting you in selecting the most suitable program in GA for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Montezuma, Macon County, GA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table is applicable to zip codes: 31063

Conventional and FHA Loan Choices in Montezuma, GA

At Lendersa®, we aim to quickly secure you the best possible Conventional, USDA, or FHA loan experience, free from hassle. Choose one of three initial steps to connect with matching lenders and financing programs.

Lendersa USDA loan request and matching results


Montezuma Lenders

  • SunMark Community Bank
  • 1005 Northside Drive, Perry, GA, 31069
  • Lends in Georgia
  • Our story begins in the times of Bing Crosby and Bob Hope. R.D. Buchan, a businessman and farmer, had been unhappy with the only bank in town. He saw an opportunity to serve other businesses and farmers. In 1949 Mr. Buchan founded The Pulaski Banking Company in Hawkinsville, Georgia.

  • Combined Employees CU
  • 593 Russell Parkway, Warner Robins, GA, 31088
  • Lends in Georgia
  • Combined Employees Credit Union is a not-for-profit financial cooperative that has enjoyed a long, remarkable history of serving our members. On October 6, 1969, what started with just 6 men and $200 has turned into a place of financial services opportunity for more than 3, 300 members.

  • Ocmulgee Mortgage Company
  • 268 Amanda Drive, Macon, GA, 31216
  • Lends in Georgia
  • Ocmulgee Mortgage Company is a locally owned mortgage company in business and designed to help families obtain mortgage loans without having to deal with the headache of large institutions. Ocmulgee Mortgage Company prides itself on competence and quickness of process. We look forward to serving you today!

  • CGR Credit Union
  • 2040 Ingleside Ave, Macon, GA, 31204
  • Lends in Georgia
  • CGR Credit Union is a not-for-profit, member-owned and -operated, State chartered financial services organization. Founded by hospital employees in 1971, CGR Credit Union has served over 10,000 healthcare employees, professionals, members and their families.

    On the surface we may look like any other full-service community credit union

  • Midtowne Mortgage LLC
  • 2614 Riverside Drive, Macon, GA, 31204
  • Lends in Georgia
  • Our staff of mortgage service professionals make themselves accessible to clients around the clock, and strives to obtain the best mortgage loan package no matter what the situation. Our mortgage experts treat you with the respect due a valued customer and give you the personal attention you deserve.

  • Peoples Bank of Georgia
  • 26 West Monroe Street, Talbotton, GA, 31827
  • Lends in Georgia
  • The Peoples Bank of Georgia is a full service, locally owned bank in Talbotton, Georgia with branches in Ellaville, Buena Vista and Thomaston, Georgia. In Talbotton, a small town 35 miles northeast of Columbus, the scene has not changed much over the years. This is still the sort of place where every customer's family history is intimate knowledge.

  • GMFS Mortgage
  • 4009-B Vineville Ave., Macon, GA, 31210
  • Lends in Georgia
  • GMFS is licensed as a mortgage lender in the following states: Alabama, Arkansas, California, Colorado, Florida, Georgia, Illinois, Kentucky, Louisiana, Mississippi, New Mexico, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, and Virginia. GMFS is an approved Fannie Mae Seller-Servicer, Freddie Mac Seller-Servicer

  • Magnolia State Bank
  • 130 Oak Street, Eastman, GA, 31023
  • Lends in Georgia
  • Since its inception, the bank's primary mission has been to serve the banking needs of the people in the counties and surrounding communities where Magnolia State Bank is located and this continues to be the primary driving force behind the bank today. Through the years, the Bank has built a reputation of soundness

  • Georgia Community Bank
  • 250 E Lee St., Dawson, GA, 39842
  • Lends in Georgia
  • Although our multiple branches only began doing business under the name of Georgia Community Bank in 2019, our roots run all the way back to September 8, 1922, when Citizens State Bank opened for business on Winston Street in downtown Reynolds, Georgia. Over the past nine decades,