FHA VS Conventional loan programs in Wells, York County, Maine

In the year 2026, the Conventional loan limit in the city of Wells, which is located in the county of York, in the state of ME, is set at $726,200. Simultaneously, the FHA loan cap for a single-family house in this location is $506,000.

Make use of the Lendersa® Conventional loan calculator to perform a comparative analysis of today's leading rates between Conventional, FHA, and USDA loans. Delve into the requirements for income, credit scores, reserve funds, and other necessary documents needed for qualification. Our state-of-the-art mortgage calculator presents a side-by-side comparison of Conforming Conventional loans, USDA, FHA, and VA options, allowing you to discern which loan program in ME best aligns with your unique financial criteria and objectives.

Browse loan offers from a broad network of 100 lenders

Learn about the 2023 Loan Limits and Required Down Payments in Wells, within York county in ME

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $370,700 0%
FHA $506,000 3.5%

This comparison chart is relevant for the following zip codes: 04090

Available Options for Conventional and FHA Loans in the Area of Wells, ME

The primary aim of Lendersa® is to ensure you secure the most favorable Conventional, USDA, or FHA loan promptly and without unnecessary complications. You can choose from one of three specified starting points that efficiently lead to corresponding lenders and appropriate loan programs.

Overview of Lendersa USDA loan requests alongside matched results


Wells Lenders

  • Big Horizon Mortgage Corporation
  • 37 Western Avenue, Suite 308, Kennebunk, ME, 04043
  • Lends in Maine
  • Big Horizon mortgage professionals deliver the market’s best programs and competitive rates from trusted institutions. Customers benefit from a wide variety of offerings. Independent relationships with leading national and local lending institutions allow Big Horizon to tailor solutions to individual needs.

  • Biddeford Savings
  • 65 Portland Rd, Kennebunk, ME, 04043
  • Lends in Maine
  • On July 22, 1867, Biddeford Savings received its initial bank charter by an act of the Maine Legislature. From those earliest days we have focused on a few simple ideals — treating our customers like family and developing a deep and meaningful relationship with our local community and neighbors

  • Partners Bank
  • 900 Main St, Sanford, ME, 04073
  • Lends in Maine
  • Partners Bank, formerly SIS Bank, was founded in 1933 and is headquartered in Sanford, Maine, with additional branch locations in Springvale, South Sanford, Limerick, Buxton, Waterboro, Wells and York, Maine, as well as Portsmouth and Rye, New Hampshire. Partners Bank, formerly SIS Bank, completed a rebrand in July 2019

  • Kennebunk Savings
  • 2 School Street, Berwick, ME, 03901
  • Lends in Maine
  • At Kennebunk Savings, we believe that the better we get to know you, the more useful we can be. That’s why we encourage all our customers to bring us their questions, no matter how big, small, or unique. When we know what your goals are and what financial challenges you may face, we can help you.

  • Saco Valley Credit Union
  • 312 Main Street, Saco, ME, 04072
  • Lends in Maine
  • 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
  • Lends in Maine
  • 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
  • Lends in Maine
  • 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
  • Lends in Maine
  • 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