FHA VS Conventional loan programs in 2025 for Brewer, Penobscot County, Maine

In 2025, the Conventional loan limit for Brewer in Penobscot County, ME, is set at $726,200, while the FHA limit is $472,030 for a single-family house.

Leverage the Lendersa® Conventional loan calculator to compare current top rates between Conventional, FHA, and USDA loans, and find out the income, credit, reserves, and necessary documents required to qualify. Our advanced calculator lets you examine Conforming Conventional loans, USDA, FHA, and VA side by side, aiding your decision on the best program in ME for your financial scenario.

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2025 Loan Limits and Down Payment Requirements in Brewer, Penobscot County, ME

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 these zip codes: 4412

Conventional and FHA Loan Options in Brewer, ME

The aim of Lendersa® is to help you secure the best possible Conventional, USDA, or FHA loan rapidly and easily. Choose from three starting points to connect with lenders and suitable loan programs.

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  • HOME BASE MORTGAGE GROUP
  • 780 Broadway, Unit C, South Portland, ME, 04106
  • Founded in 2017, Home Base Mortgage Group has quickly grown into one of the top mortgage companies in the state. When Home Base Mortgage Group first started out, their passion for helping people drove them to open their own Mortgage Company to provide the best possible knowledge, experience and customer service to each borrower.
  • Gorham Savings Bank
  • 64 Main St, Gorham, ME, 04038
  • We are a community bank focused on doing what’s best for our customers -- whether it’s providing a new service that works for more people, or taking the time to ask what more we can do to help. We offer every convenience for banking off-site or on-line, but never, ever compromise on personal attention.
  • Casco Federal Credit Union
  • 375 Main St, Gorham, ME, 04038
  • Casco Federal Credit Union is a not-for-profit financial institution that is proud to be member-owned and locally operated. With over 60 years of service in Southern Maine, we've helped tens of thousands of our neighbors build the lives they want and deserve. From opening your first Checking Account, to financing your first home.
  • Maine Mortgage Solutions LLC
  • 114 Holmes Rd, Scarborough, ME, 04074
  • Maine Mortgage Solutions LLC is your source for finding the right home financing option that suits your needs and budget. Whether you're a first-time homebuyer, bought and sold a hundred homes, or looking to invest we can help you. Mark Violette is the owner of Maine Mortgage Solutions LLC
  • Blue Stripe Mortgage
  • 15 Tenney Lane, Scarborough, ME, 04074
  • Blue Stripe Mortgage is a family business that is locally owned and operated in Scarborough, Maine. We have been helping clients throughout the entire state of Maine with their mortgage needs since 2005. Whether you are purchasing a new home, or refinancing your current home, we will guide you through every step of the mortgage process with ease.
  • Assured Mortgage Solutions
  • 383 US Route One, Suite 1F, Scarborough, ME, 04074
  • "Assured Mortgage Solutions is a well established local Mortgage Company with over 25 years of combined experience in the industry. Since 2008, the two experienced Mortgage Professionals that created Assured Mortgage Solutions, have helped many Maine families achieve mortgage financing through our use of nationwide and local resources."
  • Saco Valley Credit Union
  • 312 Main Street, Saco, ME, 04072
  • Saco Valley is a not-for-profit, member-owned financial cooperative. Our mission is to provide quality financial services to our members in a personal, friendly and efficient manner, while maintaining financial stability. As a democratic member-owned financial institution, we exist to serve our members.
  • Saco & Biddeford Savings Inst
  • 50 Industrial Park Rd, Saco, ME, 04072
  • Saco & Biddeford Savings is a mutual savings bank with the commitment to offer its customers the best rates and lowest fees possible. Maine’s Oldest Bank has maintained an incredible record of support to the communities in its service area and beyond. Saco & Biddeford Savings actively assists many local clubs, groups, and non-profit organizations
  • Harbor View Lending
  • 439 Main St, Suite 101, Saco, ME, 04072
  • Our mission statement is rather simple: Offer competitive rates and close loans as quickly as possible. We specialize in residential lending and work with over 20 different banks and mortgage companies. As a result, we are able to shop each lender for the lowest rates and best programs available.
  • JDS Mortgages of Maine LLC
  • 18 Pepperell Square, Saco, ME, 04072
  • J.D. Stewart Financial is your local, one-stop, financial planning service agency. Finances can be complex. We believe the proficiency an individual needs is best provided by an independent agent --someone with the integrity and professionalism to take the time to learn about your specific needs
  • PeoplesChoice Credit Union
  • 23 Industrial Park Rd, Saco, ME, 04072
  • Founded in 1963, PeoplesChoice Credit Union is a leading Maine credit union proudly serving over 17,000 members and managing $180 million in assets. Membership eligibility includes anyone who lives, works or attends school in York and Cumberland County, and the immediate family of PeoplesChoice members
  • Ossipee Lake Mortgage Solutions
  • 414 Sokokis Trail, East Waterboro, ME, 04030
  • Ossipee Lake Mortgage can assist you from start to finish in the process of buying your new home. We will Pre-Approve you so that you can search for your new home with confidence. Your Real Estate Agent also knows you are qualified and ready to go. This is a step ahead of other buyers in the competition to make an offer.