Conventional Loans Vs FHA in Flora, IL [in 2025]

In 2025, the Conventional loan limit in Flora, within the borders of Clay county, IL, is set at $726,200, whereas the FHA limit for a single-family house is $472,030. This information helps borrowers understand the maximum loan amounts they can consider for securing a home in the respective areas.

Employ the Lendersa® Conventional loan calculator to effectively analyze the top rates available today across Conventional, FHA, and USDA loans. Determine the income, credit levels, reserves, and documentation necessary to qualify. With this advanced tool, you gain insights into Conforming Conventional, USDA, FHA, and VA loans side by side, making it easier to select the best loan program in IL that fits your specific financial circumstances.

Options for Conventional and FHA Loans in Flora, IL

Lendersa® strives to ensure you access the best available loan options, including Conventional, USDA, or FHA, quickly and without hassle. Choose from three distinct pathways to connect with the right lenders and loan programs tailored for your needs.

Explore Lendersa USDA loan request and matching outcomes

(217) 875-2301 Lender's profile and map Reviews Decatur Earthmover Credit Union 319 E. Jasper Street, Paris, IL, 61944 We started out as the Decatur Caterpillar Employees Credit Union in 1956. Back then people couldn't borrow money from banks, only businesses could. It was hard to save enough to buy a house or car (still is). So, they organized a credit union where they could deposit part of each paycheck (in a shoebox).
(618) 687-1711 Lender's profile and map Reviews The First Bank and Trust Company of Murphysboro 1403 Walnut Street, Murphysboro, IL, 62966 The First National Bank of Murphysboro opened its doors for business on the 13th day of May, 1889. The Jackson County Bank, a private institution owned by Medar Lucier and Joseph VanCloostere, was purchased. The First National Bank then occupied their quarters on the south side of the square until 1891,
(618) 457-3595 Lender's profile and map Reviews SIU Credit Union 395 N Giant City Rd, Carbondale, IL, 62902 SIU Credit Union was founded in 1938 as Jackson County Teachers' Credit Union. Today, we serve 24 counties and many employer groups in southern Illinois. As a not-for-profit, member owned, financial cooperative, we believe in serving our membership instead of maximizing profits and Today, we serve 24 counties and many employer groups in southern Il
(888) 831-1500 Lender's profile and map Reviews Field & Main Bank 140 North Main Street, Henderson, KY, 42420 At Field & Main Bank®, we believe that banking should be built on more than transactions. It should start with relationships. We have a heart for service and an appreciation for innovative experiences. We’re changing lives and strengthening communities by approaching relationships with care, honoring our values.
(618) 650-3760 Lender's profile and map Reviews SIUe CREDIT UNION 1566 Lewis Road, Edwardsville, IL, 62025 SIUE Credit Union is a not-for-profit, member-owned credit union, our main goal is not to make money. Instead, we help you save yours with a complete range of financial products and services. You’ll earn high returns on savings, enjoy lower rates on loans and pay lower (and fewer) fees than you would at most banks.
(812) 253-6928 Lender's profile and map Reviews Heritage Federal Credit Union 8266 Bell Oaks Dr, Newburgh, IN, 47630 Heritage Federal Credit Union began in 1965 as Warrick Employees Federal Credit Union for the employees at ALCOA Warrick Operations in Newburgh, Indiana. We had an interesting start to the credit union - United Steel Workers Local 104 union members started conducting financial transactions out of the trunk of a car.
(800) 888-4728 Lender's profile and map Reviews Scott Credit Union 101 Credit Union Way, Edwardsville, IL, 62025 Scott Credit Union is a full-service financial institution that is member owned, member operated, and not-for-profit. We offer similar products and services to what the conventional financial institutions have, but we do so with our members’ best interest in mind. Any revenue generated after expenses
(618) 692-1470 Lender's profile and map Reviews Mortgage Makers Mortgage Makers, Edwardsville, IL, 62025 Mortgage Makers 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.
(301) 637-8051 Lender's profile and map Reviews Topaz Mortgage 4583 Prescot Dr, Newburgh, IN, 47630 Topaz Mortgage company was designed to put integrity back into the lending business. We empower you, the homeowner and home buyers, by simplifying the loan process. We provide the exact closing cost and lowest interest rate available, and then we invite you to shop with other banks, lenders and brokers.
(618) 659-8500 Lender's profile and map Reviews American Home Lending USA, LLC 230 S Buchanan St, Suite A, Edwardsville, IL, 62025 American Home Lending USA, LLC offer a variety of mortgage solutions and are able to offer competitive wholesale mortgage rates. Some of our popular mortgage products include: 2% down payment grant, VA, Conventional, FHA, $0 Down USDA/Rural Development, HARP, home equity loans, cash out, reverse mortgages no appraisal VA Streamline refinances.
(217) 237-4324 Lender's profile and map Reviews Midland Community Bank 112 Market Street, Kincaid, IL, 62540 Midland Community Bank is a full-service community bank serving the residents of Christian and Sangamon Counties. Some of the communities served are Kincaid, Tovey, Bulpitt, Taylorville, Edinburg, Pawnee and Springfield. In 1966, a group of local businessmen and residents began the process to organize a community bank to serve the Midland area