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

As of 2025, the Conventional loan cap in Carmel, within Penobscot county, ME, is set at $726,200. Concurrently, the FHA maximum for a single-family dwelling stands at $472,030.

Utilize the Lendersa® Conventional loan calculator to compare the prevalent rates for Conventional, FHA, and USDA loans. Ascertain the required income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator allows you to compare Conforming Conventional, USDA, FHA, and VA loans side-by-side, assisting you in selecting the most suitable program for your unique financial circumstances in ME.

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Loan limits and Downpayment Criteria for 2025 in Carmel, Penobscot county, ME

Type of Loan Maximum Limit Minimum Downpayment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

These guidelines apply to the zip codes: 4419

Conventional and FHA Loan Alternatives in Carmel, ME

The mission of Lendersa® is to provide you with an optimal Conventional, USDA, or FHA loan as swiftly and effortlessly as possible. Choose from three distinct starting points to connect with the right lenders and loan programs.

Lendersa USDA loan request and matching outcomes


  • GLOBAL CAPITAL ASSETS
  • 888 Brickell Avenue, Cape Coral, FL, 33131
  • Global Capital Assets is a private firm providing loans to foreign nationals, to US citizens, and capital for real estate development. We facilitate foreign national loans for residential & commercial properties in Florida, NY, TX & CO.We also facilitate loans to citizens & residents buying in The Dominican Republic
  • BMG Money, Inc.
  • 444 Brickell Avenue Suite 250, Miami, FL, 33131
  • "BMG Money is a consumer finance company, which through innovation, we created an online credit solution to combat the payday lenders A traditional approach to assessing a person’s creditworthiness relies on using an often misleading credit score as a sole marker of reliability. BMG Money takes a more holistic approach
  • David A. Krebs
  • 1080 Brickell Avenue, Miami, FL, 33131
  • David A. Krebs is a licensed mortgage broker who can navigate you through the process of finding the right loan for your needs.and He is licensed to broker residential mortgages in Florida,David thoroughly enjoys leveraging his 15-plus years of experience in the mortgage industry to help his clients.
  • GenX Capital Partners LLC
  • 200 Biscayne Blvd Way, Miami, FL, 33131
  • GenX Capital Partners and their equity fund partners target real estate investment debt and equity partnership opportunities that fall into the broad categories of value add opportunities and event driven/complex situations. We work only with seasoned sponsors who have a solid project backed by a compelling story and business plan that gives the ha
  • South Florida Federal Credit Union
  • 1902 NW 14 Avenue, Miami, FL, 33125
  • South Florida Federal Credit Union merged with Guardians Credit Union to become South Florida FCU, A Division of Guardians Credit Union. We did not think of this next step as a merger, but more so a partnership with Guardians Credit Union, as SFFCU will keep its brand and identity and will function as a division of Guardians Credit Union.
  • Lambda Funding
  • 66 West Flagler Street – Suite 900, Miami, FL, 33130
  • QUICK APPROVALS. AGGRESSIVE RATES. FAST CLOSINGS. Lambda Funding was founded by investors, for investors. We are experts at recognizing your needs and helping you scale your business through both private and hard money options. Our programs offer our investors the flexibility to support and grow any investment strategy.
  • Miami Federal Credit Union
  • 51 SW 1st Avenue, Suite 604, Miami, FL, 33130
  • Miami Federal Credit Union has been serving Federal, State, Municipal, Dade County, City of Miami government employees and their family members in Miami -Dade, Broward, Monroe, and Palm Beach Counties since 1954. With a high rating from the NCUA, the credit unions’ regulatory agency.
  • LendComet
  • 92 SW 3rd St, Brickell, FL, 33130
  • LendComet is a mortgage broker based out of Miami, FL. We assist home buyers in getting some of the best rates for mortgage loans and also ReFinancing opportunities. Our priority is making the loan application process simple and easy. We are here for you every step of the way. We've been helping customers afford the home
  • Brickell Capital Finance
  • 175 SW 7th St, Suite 1900, Miami, FL, 33130
  • Brickell Capital Finance has been offering financial solutions to various businesses nationwide for over 15 years and with thousands of clients. We are committed to serving the needs of each and every one of our clients including those with little or troubled credit history by providing the best financial solutions available.
  • 203b.Loan, Inc.
  • 78 SW 7th Street, Miami, FL, 33130
  • home.loans, we’re committed to helping educate consumers about the FHA 203b lending process. So, whether you’re a first-time homebuyer, or you’re looking to refinance your second or third home, we want to provide you the easiest-to-understand, most thorough guide on the internet about the 203b loan program.
  • Madison Capital Mortgage Group Inc
  • 45 Southwest 9th Street, Apartment 4301, Miami, FL, 33130
  • 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.
  • The Mortgage Veterans LLC
  • 185 SW 7th Street, Apartment 2104, Miami, FL, 33130
  • The Mortgage Veterans LLC was founded by Steven Abramson, a seasoned mortgage professional since 2010. After years of working in the mortgage industry, Steven realized there was an enormous disservice being done to the consumer. He was tired of putting consumers in loans that may not have been the best fit for them, but it was all he could offer.