FHA VS Conventional loan programs in 2025 for Sterling, Whiteside County, Illinois

As of 2025, the limit for Conventional loans in Sterling, within Whiteside county, IL, is set at $726,200. The FHA limit for a single-family home is $472,030.

Use Lendersa® Conventional loan calculator to assess today's best rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents you need for qualification. With this advanced mortgage calculator, you can view Conforming Conventional loans, USDA, FHA, and VA side by side, aiding your decision on the best program in IL for your financial situation.

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2025 Loan Limits and Downpayment Requirements in Sterling, Whiteside, IL

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

This table is relevant for zip codes: 61081

Available Conventional and FHA Loan Options in Sterling, IL

Lendersa® is committed to securing the best possible Conventional, USDA, or FHA loans swiftly and without hassle. Choose from one of three starting paths to connect with lenders and explore the loan programs suitable for your needs.

Discover results for Lendersa USDA loan requests


  • MaraiD Lending Group
  • 7900 Oak Lane Suit 400, Miami Lakes, FL, 33016
  • MARAID LENDING LLC Help Clients Finance their Dream Homes. We do Residential, Commercial Loans and Private Lending. We have the lowest closing costs and interest rate. Our priority is to be the premier mortgage service provider in the mortgage industry. Y para un mejor servicio hablamos español.
  • MCM Capital Solutions
  • 14100 Palmetto Frontage Road, Suite 304, Miami Lakes, FL, 33016
  • MCM Capital Solutions is a Direct Mortgage Lender that has been in in the industry since 1998. MCM has a suite of loan products at our disposal and can have one of our licensed sales representatives walk you through each one to ensure you are utilizing the best product for your real estate needs.
  • American Bancshares Mortgage, LLC
  • 14261 Commerce Way Suite 100, Miami Lakes, FL, 33016
  • American Bancshares Mortgage, Miami Lakes, FL, founded in 1995 as a mortgage banking firm. Company originates residential mortgage loans through retail branchess located througout the Sourtheast US. We are a Fannie Mae Seller/Servicer, FHA Direct Endorsed, VA Automatic, USDA lender.
  • First Origin Mortgage Lenders, Inc
  • 14100 Palmetto Frontage Rd Suite 210, Miami Lakes, FL, 33016
  • First Origin, our mission is simple; to raise the measure of standards in the mortgage industry. We are committed to quality customer service and helping everyone we serve in obtaining the right loan product that not only puts them in their dream home but allows them to save money in the long run.
  • The Force Group
  • 14160 Palmetto Frontage Rd, Suite 101, Hialeah, FL, 33016
  • We are a mortgage company that personally guides clients through their loan options, finding the most suitable program for them. For those that are not sure if they are financially ready or that may have credit issues, we provide consultation backed by 35 years of experience to help prepare you for a mortgage loan.
  • Palermo Financial Group
  • 19790 W Dixie Hwy #1010, Miami, FL, 33180
  • Florida-based hard money lender with 25+ years of experience. We seek to make loans between $100,000 - $3,000,000 on investment properties and can typically produce a term sheet within 24 hours. We pride ourselves in taking a common sense approach to underwriting, focusing on the underlying value of the subject property and making all financing dec
  • AS IS LOANS
  • 2875 NE 191 Street, Suite 500, Aventura, FL, 33180
  • AS IS LOANS is a Private Hard Money Loans | 30 Year No Doc Investor Mortgages | Asset Based Loans | Alternative Financing | Residential & Commercial Lending | Portfolio Loans | Consulting Nationwide financing for residential, mixed-use, and commercial properties. 1 - 5 year hard money loans and 30 year fixed rate no doc mortgages.
  • Rok Lending
  • 19790 W. Dixie Highway, PH1, Miami, FL, 33180
  • Rok Lending is a family-operated and family-funded licensed private lender in Downtown Miami. The combination of experienced underwriting, self-funding & in-house legal counsel creates the ability to close the biggest of loans in days, not weeks. Rok Lending the opportunity to offer creative solutions to borrowers to fit their ideal wants & needs.
  • ameriloans residential mortgage
  • 20801 Biscayne Blvd, Suite 443, Miami, FL, 33180
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • The Q Kapital Group Corp
  • 18851 Northeast 29th Avenue, Suite 104A, Aventura, FL, 33180
  • "Q Kapital Group, formed by Mauricio Ordoñez and Gaston Schneider is a Boutique Mortgage Specialized in Lending to Foreign National Investing in Residential & Commercial Real Estate We lend in Florida, New York, Texas & Colorado. We can lend to Foreign Nationals up to 70% Loan To Value. Q Kapital is Located in Miami Florida"
  • LendersUSAcom Inc
  • 21666 Marigot Dr., Boca Raton, FL, 33180
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.