FHA VS Conventional loan programs in 2025 for Bay-City, Bay County, Michigan
In 2025, the conventional loan limit for Bay-City, within Bay County of MI, is defined at $647,200. Conversely, the FHA limit for a single-family home is set at $420,680, providing clear guidelines for potential home buyers.
Leverage the Lendersa® Conventional loan calculator to examine today's top rates across Conventional, FHA, and USDA loans. This tool helps you evaluate the required income, credit scores, reserves, and supporting documents for qualification. View Conforming Conventional loans side-by-side with USDA, FHA, and VA options using our advanced mortgage calculator to help determine which plan in MI suits your financial strategy best.
2025 Loan Limits and Down Payment Requirements in Bay-City, Bay County, MI
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This comparison table is applicable to the following zip codes: 48706, 48708
Explore Conventional and FHA Loan Options in Bay-City, MI
Lendersa® is focused on ensuring you access the most suitable Conventional, USDA, or FHA loan with efficiency and ease. Choose one of three pathways prepared to connect you with matching lenders and tailored loan programs.
First Bank, an entity of Southern Illinois Bancorp, Inc. headquartered in Carmi, Illinois, has been serving businesses and families in Southeast Illinois and Southwest Indiana since 1893. We represent a return to the old-fashioned way of banking, where the staff knew everyone by name and treated you like a person instead of a number.
Getz Mortgage, Inc., based in Kingston, is a Pennsylvania Licensed Mortgage Broker, owned and operated by Jesse Getz. The company focuses on purchase, refinance and new construction mortgages in Northeastern and Central Pennsylvania. With over 25 years of experience in the mortgage lending industry.
Penns Woods Bancorp, Inc, is the bank holding company for Jersey Shore State Bank (JSSB) and Luzerne Bank (LUZ). It was incorporated in Pennsylvania on January 7, 1983, with JSSB as a wholly owned subsidiary and later acquired Luzerne Bank on June 1, 2013. In October 2000, JSSB acquired the M Group, Inc. D/B/A The Comprehensive Financial Group.
Plans to form the Farmers National Bank of Griggsville began in May of 1942 by a group of local business men and citizens. Stock was solicited and by October 1942 $40, 000.00 was sold. An application for the charter was granted in December of 1942.
On February 13, 1943 the doors of the new bank were opened.
North Shore Federal Credit Union has been a financial beacon along the shore of Lake Superior for 50 plus years. Specializing in outstanding member service and offering products to meet every walk of life. North Shore Federal Credit Union proudly meets the financial needs of those living along the Lake Superior's North Shore.
Artisan Mortgage was formed in 2005 as a full service mortgage company with headquarters in Bay Shore, NY and branch office in Hershey, PA to serve the needs of new and existing homeowners through individualized service, a variety of lending programs, and a simplified, efficient loan closing process.
Chartered in 1949, Front Royal Federal Credit Union began its tradition of “people helping people” to save regularly and provide a source from which to borrow at low interest rates. Earnings remaining after expenses and capital reserves are returned to members in the form of more competitive share
CBM Mortgage is a locally owned and operated Mortgage Company located in the Shenandoah Valley.
We provide home loans for the entire state of Virginia. What makes us different? Customer Service and Accountability. We are a direct lender with control over the entire process from processing, underwriting, to closing.
