Explore the differences! FHA VS Conventional loan programs in Owings-Mills, Baltimore County, Maryland

In 2026, the conventional loan limit for Owings-Mills, located in Baltimore county, MD, is $647,200. Meanwhile, the FHA limit for a single-family residence stands at $583,050.

To compare the best rates available between Conventional, FHA, and USDA loans today, use the Lendersa® Conventional loan calculator. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced tool shows Conforming Conventional loans alongside USDA, FHA, and VA options to help you choose the best program for your financial needs in MD.

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2026 loan limits and down payment requirements in Owings-Mills, Baltimore county, MD

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $430,500 0%
FHA $583,050 3.5%

This table applies to zip codes: 21117

Conventional and FHA loan options in Owings-Mills, MD

Lendersa® aims to offer the best Conventional, USDA, or FHA loans quickly and hassle-free. Choose one of three starting points to find matching lenders and programs.

Results from Lendersa USDA loan requests


Owings-Mills Lenders

  • First Eagle Federal Credit Union
  • 10451 Mill Run Circle, Suite 300, Owings Mills, MD, 21117
  • Lends in Maryland
  • First Eagle is a federally-insured credit union serving all U.S. employees of AIG American General, Zurich North America, Medstar Union Memorial Hospital & Medstar National Rehabilitation Network (NRN), several Select Employee Groups, and their families. We have worked to make a better financial life for our members.

  • Novak Financial Inc
  • 20 New Plant Ct, Suite 102, Owings Mills, MD, 21117
  • Lends in Maryland
  • Novak Financial, Inc. is a private money lender specializing in investor renovation and construction projects. We are currently financing projects in MD, NJ, D.C., VA, DE, PA, and FL.vak Financial, Inc. is a private money lender specializing in investor renovation and construction projects. We are currently financing projects

  • Access 1 Properties
  • 110 Painters Mill Rd, Suite 200, Owings Mills, MD, 21117
  • Lends in Maryland
  • Access 1 Properties is a real estate solutions company located in Owings Mills, MD. We Specialize in buying, selling & financing homes. We also have a program to assist our clients with the rehab process. We consider ourselves as the go-to experts at finding solutions for people who are in the market to buy, sell or finance their investment propert

  • iReverse Home Loans
  • 12404 Hunters Glen, Owings Mills, MD, 21117
  • Lends in Maryland
  • iReverse Home Loans, Corporation originates reverse mortgages in California, Colorado, Florida, Georgia, Maryland, Oregon, Tennessee, Texas, Virginia and Washington. For detailed licensing and important TEXAS STATE-SPECIFIC INFORMATION, please navigate to our licensing page or verify license information at NMLS Consumer Access.

  • iHome Mortgage
  • 12404 Hunters Glen, Owings Mills, MD, 21117
  • Lends in Maryland
  • iHome Mortgage made the process of buying a home approachable, and what at first seemed daunting was actually exciting, and ultimately a wonderful experience. iHome Mortgage originates mortgages in Arizona, California, Colorado, Florida, Georgia, Maryland, Massachusetts, Oregon, Tennessee, Texas, Virginia, and Washington.

  • Caliver Beach Mortgage LLC
  • 500 Redland Court, Suite 300, Owings Mills, MD, 21117
  • Lends in Maryland
  • We specialize in helping homeowners and home-buyers and our founding, we’ve grown to become one of America’s leading mortgage companies. The key to our growth is outstanding, award-winning customer service. Our loan experts make the process fast and easy…so you can start saving money and reaching your financial goals right away

  • Equity One Lending
  • 1829 Reisterstown Road, Suite 350, Pikesville, MD, 21208
  • Lends in Maryland
  • We know each family wants to hear those words, and the Road To Close can seem unfamiliar and stressful in today’s lending arena. The families we’ve helped have all found their own peace of mind thanks to our World-Class Digital Mortgage Experience. We’ve made it as easy as possible to apply, and even easier to get to the finish line.

  • Ronis Mortgage Network Inc
  • 4510 Coffee Tree Court, Pikesville, MD, 21208
  • Lends in Maryland
  • Ronis Mortgage Network, Inc. is a full-service mortgage company committed to provide you with personal service. The owner, Bruce Ronis, will review all your options with a no cost in home consultation. We get you the lowest rates possible and provide the attention and service you deserve.

  • First Trust Financial LLC
  • 1700 Reisterstown Road, Suite 122, Pikesville, MD, 21208
  • Lends in Maryland
  • First Trust Financial, LLC is a boutique mortgage lending firm that helps homebuyers find and secure competitive home loans. We develop customized finance packages tailored to our clients’ needs and take pride in the one-on-one counseling that our team of experts provides along the way.