FHA VS Conventional loan programs in Southwick, Hampden County, Massachusetts

As of 2026, the limit for Conventional loans in Southwick, found in the county of Hampden, MA, is $726,200. Meanwhile, the FHA limit for a single-family home stands at $472,030.

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The Lendersa® Conventional loan calculator allows for comparison of today's top rates across Conventional, FHA, and USDA loans, evaluating the necessary income, credit, reserves, and documents needed for qualification. With this advanced mortgage calculator, you can see Conforming Conventional, USDA, FHA, and VA options side by side, helping to determine the best program in MA for your financial needs.

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2026 Loan Limits and Down Payment Requirements in Southwick, Hampden, MA

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

This table is applicable to the following zip codes: 1077

Investigating Conventional and FHA Loan Options in Southwick, MA

Lendersa® aims to seamlessly connect you with the best possible Conventional, USDA, or FHA loans quickly and without hassle. Choose one of three starting paths to link with compatible lenders and programs.

  1. Make an optimal request for Conventional/USDA/FHA loan optimization
  2. Explore terms & rates for Conventional, USDA, and FHA options upfront
  3. Access the largest directory of Conventional lenders
Outcomes for USDA loan requests via Lendersa



  • Summit Financial Services
  • 3977 Coffee Road, Suite A, Bakersfield, CA, 93308

  • The Summit Financial Team has over 200 years combined mortgage lending experience. We are well versed in all aspects of the mortgage origination process. Whether you are seeking Conventional, FHA & VA, Construction, Reverse Mortgage or Alternative financing, Summit Financial is here for you.

  • Victoria Financial Corp.
  • 217 W. Las Tunas Drive, San Gabriel, CA, 91776

  • Victoria Financial began as a humble mortgage broker in the heart of the San Gabriel Valley since 1986. Our establishment pioneered the then innovative no-cost loan with the benefit of our clientele as our main objective. As a mortgage banker today, we are leaders in competitive rates & prioritize customer satisfaction as a predominant core value.

  • Conquest Financial Corp.
  • 1028 S. San Gabriel Blvd, San Gabriel, CA, 91776

  • Conquest Financial provide mortgage advice to our clients. We try to step into the eyes of our clients. We understand the anxiety involved with purchasing a home. Our loan management process is aimed at transforming the home buying process into an enjoyable experience: the way it should be. We eliminate the unknown by helping our clients.

  • First Professional Finance Corporation
  • 501 South San Gabriel Boulevard, Unit 203, San Gabriel, CA, 91776

  • At First Professional Finance Corporation we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" & will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • East Star Mortgage
  • 1045 East Valley Boulevard, Suite A109, San Gabriel, CA, 91776

  • Founded in 2001, East Star Mortgage is a trusted residential mortgage direct lender that provides high quality in-house processing, underwriting and funding to real estate professionals and individual home buyers throughout California. With over 15 years of experience, East Star Mortgage is able to walk you through a smooth and organized loan.

  • Valhalla Home Loans
  • 2360 Huntington Drive, Suite 308, San Marino, CA, 91108

  • "Valhalla Home Loans are an online mortgage lender. We are not lead generators for other lenders.
    We use real-time mortgage quotes, up-front access to closing cost details, online applications, electronic document processing and e-signatures to make the mortgage process fast, easy and transparent"

  • iEccentric Realty and Mortgage
  • 1613 Chelsea Road, Suite 325, San Marino, CA, 91108

  • "iEccentric Realty and Mortgage offers a wide variety of loan programs ranging from the government VA & FHA loans to the conventional fixed program, ARM program, and Jumbo loans. The primary loan programs which we promote are the following:
    10, 15, 20, and 30 Year Fixed Programs (We also exclusively offer 8,12, 22, and 27 Fixed Programs)"

  • Credit Union of Southern California
  • PO Box 200, Whittier, CA, 90608

  • We’re a service staffed by friendly, helpful people who are here to help you achieve your financial goals and financially thrive . The financial industry is filled with people who can count. Our goal at CU SoCal is to be people you can count on. The people who work for us know they work for you.

  • Alliance Home Loan Inc
  • 7940 E. Garvey Ave, Suite 204, Rosemead, CA, 91770

  • Alliance Home Loan Inc. is located in Rosemead, CA, United States and is part of the Activities Related to Credit Intermediation Industry. Alliance Home Loan Inc. has 2 total employees across all of its locations and generates $272, 197 in sales (USD). (Sales figure is modelled). Our Offers variety of programs for Purchase

  • Transpac Investment Corp.
  • 9800 Valley Boulevard, Rosemead, CA, 91770

  • Transpac Investment Corp, started by a husband and wife duo, has been helping the Southern California area since 1998. Since then we have helped thousands of borrowers with all types of financial situations purchase and refinance their homes! We work with both english and mandarin speakers, helping a range of clients

  • Sierra Capital Mortgage Company
  • 1055 E. Colorado Blvd, Suite 500, Pasadena, CA, 91106

  • Sierra Capital Mortgage has provided clients throughout California the best possible financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service.

  • Rose City Realty Inc.
  • 1055 East Colorado Boulevard, Suite 500, Pasadena, CA, 91106

  • Rose City Realty, Inc., was founded in 1999 and incorporated in 2001 by Preston Howard, a California mortgage broker and licensed real estate broker, with the mission of providing real estate financing solutions with corporate knowledge – with a personal touch. By building a personal network of non-traditional resources to fund loans
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