FHA VS Conventional loan in Imlay-City, Lapeer County, Michigan

In 2025, the Conventional loan limit for Imlay-City, located in Lapeer County, MI, is $647,200, while the FHA limit is $420,680 for a single-family home.

Use the Lendersa® Conventional loan calculator to assess today's top rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in deciding which program in MI suits your financial situation best.

Browse loan offers from 100 lenders

Loan Limits and Down Payment Requirements for 2025 in Imlay-City, Lapeer 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 pertains to zip codes: 48444

Available Options for Conventional and FHA Loans in Imlay-City, MI

The goal of Lendersa® is to quickly provide you with the best Conventional, USDA, or FHA loans without hassle. Choose from three starting methods to connect with matching lenders and loan opportunities.

Results from Lendersa's USDA loan requests


  • CF Home Loans LLC
  • 1050 Queen St, Suite 100, Honolulu, HI, 96814
  • Our executive team consists of industry experts and professionals in the financial and real estate industry. We are well versed when it comes to understanding how a mortgage can affect clients in all areas of their financial life. With a highly dedicated executive team, CF Home Loans is committed to providing an environment to promote teamwork.
  • ProStar Lending LLC
  • 1441 Kapiolani Blvd, Suite 1115, Honolulu, HI, 96814
  • We are a locally owned and operated independent mortgage broker. We assist our clients in selecting the right mortgage plan for their individual financial situation. Our loan process is easy & fast while we focus on each client's financial objectives.broker. We assist our clients in selecting the right mortgage plan for their individual finance.
  • Mortgage Unlimited
  • 1314 South King Street, Suite 1153, Honolulu, HI, 96814
  • mu-hawaii have been first time home buyers and are home owners just like you. We are invested in being a positive role in your refinance or home purchase now and in the future and also In the ever changing technological landscape, we invest in modern and efficient systems to help insure we are able to provide lower rates and faster close times.
  • Hawaii Best Loans
  • 1288 Ala Moana Blvd, Suite 19E, Honolulu, HI, 96814
  • HAWAII BEST LOANS offers residential mortgage loans in Hawaii from top-notch lenders. We follow a simple formula that has made us one of the most trusted residential mortgage companies in Hawaii. We understand that obtaining a home loan is one of the biggest decisions of your life and we are therefore committed to making the process as easy
  • Smart Money Inc.
  • 1600 Kapiolani Blvd, Suite 633, Honolulu, HI, 96814
  • Smart Money is a mortgage broker servicing the State of Hawaii. We specialize in conventional, VA, FHA, USDA, portfolio, and hard money residential home loans. Whether you're a first time home buyer or investor, we can help. We have access to many lenders and guidelines, which in turn give you the best options.
  • Infinite Financial, LLC
  • 1050 Queen St, Suite 100, Office A2, Honolulu, HI, 96814
  • Infinite Financial, LLC, NMLS # 1866302, works with both local and national lenders to provide the best products and services to mortgage customers. From conventional to VA to USDA to FHA to portfolio, non-QM, and hard money options, Infinite Financial has the products to meet your needs
  • Smart Money, Inc
  • 1600 Kapiolani Blvd, Suite 633, Honolulu, HI, 96814
  • Smart Money is a mortgage broker servicing the State of Hawaii. We specialize in conventional, VA, FHA, USDA, portfolio, and hard money residential home loans. Whether you're a first time home buyer or investor, we can help. We have access to many lenders and guidelines, which in turn give you the best options.
  • Territorial Savings Bank
  • PO Box 1481, Honolulu, HI, 96806
  • Territorial Savings Bank has come a long way from its humble beginnings in 1921 when ten individuals came together to establish the Kaimuki Building & Loan Association. Committed to providing personal financial services to our customers and keeping in step with community needs and account holder expectations
  • Allan Inouye Appraisals
  • PO Box 240540, Honolulu, HI, 96824
  • Our investment in technology means faster turn times for our clients and lower costs for us (and subsequently you). And first and foremost, we keep in mind the importance of customer service. So following the Golden Rule, we treat our clients as we'd want to be treated ourselves whether we're in person, having a phone conversation
  • A Frame Mortgage LLC
  • 127 19th Street, Honolulu, HI, 96818
  • 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
  • Pearl Hawaii Federal Credit Union
  • 94-449 Ukee Street, Waipahu, HI, 96797
  • Pearl Hawaii Federal Credit Union (Formerly Pearl Harbor Federal Credit Union; PHFCU) is a not-for-profit, financial cooperative. PHFCU has built a solid foundation to provide affordable financial services, financial products, technical assistance, and educational resources to current members as well as to all who reside on the island of O'ahu.