FHA VS Conventional loan programs in 2026 for Fraser, Macomb County, Michigan

In 2026, the Conventional loan limit for Fraser, situated in Macomb county, MI, is $726,200. The FHA limit for a single-family home is $472,030.

Take advantage of the Lendersa® Conventional loan calculator to compare the best rates available today for Conventional, FHA, and USDA loans. Assess required income, credit, reserves, and documents. Our advanced mortgage calculator showcases side-by-side Conforming Conventional, USDA, FHA, and VA loans, helping you select the ideal program in MI for your financial needs.

Explore offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Fraser, Macomb, MI

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table applies to the zip codes: 48026

Conventional and FHA Loan Options in Fraser, MI

Lendersa® aims to quickly connect you with the best Conventional, USDA, or FHA loans, hassle-free. Choose one of three starting points for matching lenders and loan programs.

Results from USDA loan request with Lendersa


Fraser Lenders

  • Live Life Federal Credit Union
  • 34200 Utica Rd, Fraser, MI, 48026
  • Lends in Michigan
  • Live Life Federal Credit Union has been proudly servicing our members’ financial needs since 1952. It began when The UAW Local 247 of Thompson Products organized Thompson Product Employee’s Federal Credit Union under Charter #7927.
    In 1958, the plant changed names from Thompson Products Michigan Division to Thompson Ramo Woolridge Incorporation.

  • New Inception Mortgage LLC
  • 33887 Oakwood Drive, Sterling Heights, MI, 48312
  • Lends in Michigan
  • At New Inception Mortgage, you can expect friendly, professional advice and clear explanations of all of our available mortgage products, including our ARMs. We will walk you through the advantages and risks associated with each loan option and provide the guidance you need to help you make the right decision.

  • Lake Pointe Mortgage, L.L.C
  • 27735 Jefferson Ave, Saint Clair Shores, MI, 48081
  • Lends in Michigan
  • 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 by utilizing the 23 years of experience.

  • Wall Street Lending
  • 17000 17 Mile Road, Clinton Township, MI, 48038
  • Lends in Michigan
  • Wall Street Lending (NMLS # 175675) was formed in 2008 as a Michigan based mortgage broker offering an array of products to solve our client’s mortgage problems.

    As an organization employed with individuals having over 50 years of combined mortgage experience, mortgage scenarios of all sorts are financed daily.

  • Sock Mortgage LLC
  • 42633 Garfield Rd, Suite 315, Clinton Township, MI, 48038
  • Lends in Michigan
  • John started Sock Mortgage in July of 2020. He began Sock Mortgage with a mission to change the mortgage experience for his borrowers. With over 10 years of mortgage experience on both the wholesale and retail side, John has had the opportunity to see the good and bad of the mortgage industry.

  • BrightSide Lending LLC
  • 42475 Garfield Rd, Clinton Township, MI, 48038
  • Lends in Michigan
  • At BrightSide Lending you can expect a smooth easy process whether you are purchasing a new home or refinancing an existing one. We offer a wide variety of programs even if your credit is less than perfect. Give us a call and discover the brighter side of lending. Jeff Kaltz is the president.

  • Victory Home Loans
  • 43260 Garfield, Suite 250, Clinton Township, MI, 48038
  • Lends in Michigan
  • "Victory Home Loans is a wholesale brokerage that was established in December of
    2000. Scott Van Sickle is the broker & brings over 15 years of combined
    mortgage & real estate experience to the table.Being a wholesale broker gives us
    the unique advantage of giving superior service while at the same time delivering
    very competitive rates and

  • Nowland Mortgage
  • 38400 Hayes Rd, Clinton Township, MI, 48038
  • Lends in Michigan
  • Nowland Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • Cranbrook Loans
  • 41800 Hayes Road, Clinton Township, MI, 48038
  • Lends in Michigan
  • Cranbrook Loans is a retail residential mortgage corporation with significant executive experience. We have a stellar reputation with industry leading consumer protections. We offer direct lending options as well as the ability to broker loans when necessary. This enables us to make sure we’re always competitive with a one stop shop product line.