Explore the differences! FHA VS Conventional loan programs in Saugus, Essex County, Massachusetts

For 2026, the Conventional loan limit in Saugus, county of Essex, MA is $828,000. The corresponding FHA limit for a single-family home is $828,000.

Use the Lendersa® Conventional loan calculator to compare today's best rates among Conventional, FHA, and USDA options. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator lets you evaluate Conforming Conventional loans, USDA, FHA, and VA programs side by side to decide which option in MA suits your financial situation.

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2026 Loan Limits and Downpayment Requirements in Saugus, County of Essex, MA

Loan Type Loan Limit Down payment
Conventional Conforming $828,000 3%
USDA $675,000 0%
FHA $828,000 3.5%

Applies to zip codes: 1906

Explore Conventional and FHA Loan Options in Saugus, MA

Lendersa® aims to secure the best Conventional, USDA, or FHA loans for you, quickly and with ease. Choose from three starting points to find matching lenders and loan programs.

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  • Consumers Financial Company
  • 2834 S Highland Dr, Salt Lake City, UT, 84106
  • Matt Stout started Consumers Financial Mortgage in 1995 with the vision of helping homeowners save money. Since that time, he has worked to perfect the art of understanding mortgage customers and their financial goals. Using what he calls his “Mortgage Map”, Matt creates options based on his client’s financial goals to better guide.

  • Salt City Home Loans, LLC
  • 1062 East 2100 South, Suite 217, Salt Lake City, UT, 84106
  • "Hi I'm Jason Deamer, founder of Salt City Home Loans located in the heart of Salt Lake City. I started in the home loan industry over 19 years ago in 2001, and I’ve worked with and learned from some of the best in our industry.
    Mortgages are so much more than just a means to purchase a home."

  • American Wholesale Loans
  • 623 E 2100 S, Salt Lake City, UT, 84106
  • American Wholesale Loans is your connection to the Wholesale Lending market which has the best terms for Residential and Commercial loans. By skipping the middle man and going directly to the funding source you will save time in getting your financing secured and money over the life of your loan

  • American West Financial Home Loans
  • 675 E 2100 S, Suite 110, Salt Lake City, UT, 84106
  • "America West Financial is about helping potential home owners navigate through the complex process of home loans. Through dedicated Loan Officers & supporting staff, America West Financial provides an enjoyable, efficient experience.
    America West Financial was founded by Lee M Yates in 2003. After being in the Mortgage Broker business."

  • Provident Financing Group
  • 1713 East Sandy's Grove Ln, Sandy, UT, 84092
  • 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

  • Mortgage Solutions of Utah
  • 11470 S 1320 E, Sandy, UT, 84092
  • Mortgage Solutions LLC is small! Small means fast, efficient & fluid. Small also means you deal with Kevin Mansouri & one other directly. Being a Small & being a Broker, gives you the best edge when getting your loan. Or, if you’re a realtor, it gets your client the best deal period.

  • Celtic Bank
  • 268 South State Street, Suite 300, Salt Lake City, UT, 84111
  • Celtic Bank is a Bank with operations in fifty states. Celtic Bank offers numerous mortgage programs including jumbo, non-owner occupied, FHA and construction mortgages. Celtic Bank specializes in construction loans.Headquartered in Salt Lake City, Utah, Celtic Bank was named the 6th largest SBA lender in the nation for FY 2015.

  • Bonneville Multifamily Capital
  • 111 S. Main St, Suite 1600, Salt Lake City, UT, 84111
  • Bonneville Multifamily Capital has been a division of Bonneville Real Estate Capital (BREC), a full-service mortgage banking firm, since 2003. Since 1975 BREC has originated in excess of $6 billion in interim and long-term loans and sales on real property across the United States.

  • CPA Mortgage Services, LLC
  • 299 South Main Street, Suite 1300, Salt Lake City, UT, 84111
  • CPA Mortgage Services is a Mortgage brokerage firm created by a life long tax accountant. With over 26 years in the lending industry, along with a unique skill set in accounting, we are able to find the most suitable mortgage products for each client as they go through the mortgage process.

  • Stratify Lending LLC
  • 220 South 200 East, Suite 200, Salt Lake City, UT, 84111
  • Stratify Lending, our goal is to make the process seamless and enjoyable. Our mortgage professionals are experts on the wide array of mortgage products available to consumers. Our careful assessment process will help match you with the right product to meet your long-term financial goals

  • RushFire Private Lending
  • 257 E 200 S, Suite 525, Salt Lake City, UT, 84111
  • RushFire Private Lending is a privately owned non-traditional real estate finance company powered by technology. We provide asset-based financing for real estate entrepreneurs wholesaling, developing, and rehabilitating real estate within the state of Utah. We focus on wholesale short-term, single-family residential rehab

  • Actium Partners, LLC
  • 111 East Broadway Suite 390, Salt Lake City, UT, 84111
  • Founded in 2004, Actium is a holding company making equity and debt investments in a range of industries and real estate projects to achieve a superior return on its capital while preserving a margin of safety. Actium Partners focuses on companies that work within established, non-high tech areas of business.