FHA VS Conventional loan programs in 2025 for St.-James, Washington County, Maryland

For 2025, the Conventional loan limit in St.-James, within Washington County, MD, is $647,200. Meanwhile, for a single-family home, the FHA limit is $420,680.

Use the Lendersa® Conventional loan calculator to explore and compare the best current rates for Conventional, FHA, and USDA loans. Find out the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to view Conforming Conventional, USDA, FHA, and VA loans side-by-side, assisting in choosing the best option in MD for your particular financial situation.

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2025 Loan Limits and Down Payment Requirements in St.-James, Washington County, MD

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

The above table applies to the following zip codes: 21733, 21781, 21740

Options for Conventional and FHA Loans in St.-James, MD

Lendersa® aims to quickly secure the best Conventional, USDA, or FHA loan without hassle. Select one of three starting points to connect with matching lenders and loan programs.

Lendersa USDA loan request and results


  • Pacific West Lending LLC
  • 14001 North 7th Street, Suite E109, Phoenix, AZ, 85022
  • Pacific West Lending was founded in 2017 by Michael Aldridge and Chris Bang, seasoned financial services professionals, and the company specializes in residential lending through a network of funding sources. These sources give the client multiple options in any given scenario, as opposed to being limited to one set of guidelines
  • Honor Mortgage, LLC
  • 144 East Eugie Avenue, Phoenix, AZ, 85022
  • "Honor Mortgage helps you determine the most appropriate type of mortgage for you and your future. While our family-owned-and-operated business may be small, our collection of knowledge, products and resources is not. We offer a wide variety of loan programs to fit you and your families individual needs. Honor Mortgage is a full-service"
  • Oasis Financial
  • 1212 E. Baseline Rd, Suite 101, Tempe, AZ, 85283
  • Oasis Financial, Principals Paul Sargent & Kevin Richards provide expertise in direct lending & structured finance for various types of real estate transactions. We are dedicated to providing services with speed and flexibility for all our clients. Oasis Financial provides years of experience of both private & institutionalized real estate lending.
  • Nvestor Funding
  • 40 W Baseline Road, Suite 206, Tempe, AZ, 85283
  • Nvestor Funding was founded in 2019 to meet the demand for affordable debt capital by a broad range of residential real estate investors. Our regional expertise and expansive experience enable us to provide attractively priced loans and bring investment financing from “Wall Street” to “Main Street”.
  • 1st Rate Home Mortgage, Inc.
  • 401 W Baseline Rd, Suite 102, Tempe, AZ, 85283
  • 1st Rate Home Mortgage, Inc (1RHM) is a full service mortgage company. We have the ability to both broker and act as the lender on transactions. This company was built by originators at a time when mortgage was a 4-letter word - 2007. We have more than survived the ups and downs that this industry has seen.
  • First Community Mortgage
  • 1980 E Baseline Rd, Suite 103, Tempe, AZ, 85283
  • First Community Mortgage (FCM) opened its doors in 1988 as a division of First National Bank Texas. Since then, we have been working in tandem with our clients to turn their dream of buying a home into a reality. Formed with the mission to guide our customers, we aim at providing a mortgage loan that best fits their financial needs.
  • VAN EATON MORTGAGE, LLC
  • 1560 W Azalea Dr, Chandler, AZ, 85248
  • Van Eaton Mortgage, LLC, our mission is to provide homeowners and future homeowners a variety of home financing options at competitive rates; fulfilling their needs in a manner that enhances their standard of living in realizing the American Dream. We at Van Eaton Mortgage, LLC believe in working hard to get the job done."
  • Geneva Financial Home Loans
  • 3155 S. Price Road, Suite 105, Chandler, AZ, 85248
  • Geneva Financial has doubled down on the “Human” experience; which starts with the Originator. The competition is currently going to great lengths to automate the originator out of the mortgage process, leaving the most important personal financial decision to the fate of robots and unlicensed order takers.
  • Setabay LLC
  • 22601 N 19th Ave, Suite 112, Phoenix, AZ, 85027
  • We Specialize in Private Hard Money Loans. If You Are Not Using Setabay You’re Probably Paying Way Too Much. Setabay LLC is a Arizona Private Hard Money Lender. Lending on Commercial, Investor, Rental, Fix and Flip, Multi Family. Licensed AZ Mortgage Broker and Licensed Loan Originator NMLS 1057417.
  • Goettl Mortgage Corporation
  • 2550 W Union Hills Dr, Suite 350, Phoenix, AZ, 85027
  • Goettl Mortgage Corporation since 2018. Laurie serves as a guiding light with the “Clients First” attitude that sets an example to her employees. Her ability as a leader has proven to be a benefit in spearheading every endeavor, she has been a part of in the business field. Also, she has hands-on experience with management, loan origination.
  • DGS Capital and Loans
  • 2550 N Union Hills Drive, Suite 350, Phoenix, AZ, 85027
  • At DGS, we are a full service Real Estate and Mortgage Brokerage. We have experts at your fingertips that can help you through every stage of the home buying process. Our loan originators have a constant eye on the market and are able to advice you on the best time to lock in your rates.