FHA VS Conventional loan programs in 2025 for Rochester-Hills, Oakland County, Michigan

In 2025, the conventional loan limit in Rochester-Hills, located in Oakland County, MI, is $647,200; however, the FHA limit for a single-family home is set at $420,680, delineating clear funding boundaries for buyers in the area.

Lendersa® offers a state-of-the-art Conventional loan calculator to help borrowers compare the best rates between Conventional, FHA, and USDA loans for today. Determine your required income, credit score, reserves, and documentation for qualification seamlessly. This advanced mortgage calculator allows you to view Conforming Conventional loans alongside USDA, FHA, and VA options for side-by-side comparison, aiding in identifying which plan in MI best meets your specific financial goals.

Explore various loan offers from a selection of 100 lenders

2025 Loan Limits and Down Payment Requirements in Rochester-Hills, Oakland County, MI

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This table applies to the following zip codes: 48306, 48307, 48309

Variety of Conventional and FHA Loan Options in Rochester-Hills, MI

The mission of Lendersa® is to ensure you obtain the optimal Conventional, USDA, or FHA loan easily and swiftly, without unnecessary hassle. Choose from one of three starting pathways crafted to match you with the right lenders and suitable loan programs tailored to your financial needs.

Lendersa's USDA loan request and matched results


  • LOTUS MORTGAGE CORPORATION
  • 1950 Street Rd, Suite 306, Bensalem, PA, 19020
  • Lotus Mortgage Corp, Licensed in Pennsylvania and Texas, is an established business of over 28 years, since 1991. We are extremely dedicated towards helping our clients secure their financial future, hence nearly 95% of our business is from referrals from past clients, business colleagues, as well as established real estate agents.
  • FCB Banks
  • 2610 N Illinois St, Swansea, IL, 62226
  • FCB Banks are committed to being your first choice for financial services.We are locally owned and managed with experienced staff and officers and FCB Banks is a bank with operations in one state. FCB Banks offers numerous mortgage programs including conventional, non-owner occupied, FHA, VA, USDA, construction and bridge loan mortgages
  • Integrity Home Lending LLC
  • 54 Pine Glen Road, Langhorne, PA, 19047
  • INTEGRITY HOME LENDING IS A MORTGAGE COMPANY OFFERING A MULTITUDE OF MORTGAGE PRODUCTS, SPECIALIZING IN FINDING THE BEST FINANCIAL SOLUTION FOR ITS CUSTOMERS. OUR TEAM PROVIDES WELL OVER 20 YEARS OF EXPERIENCE IN THE MORTGAGE INDUSTRY. WORKING WITH NUMEROUS LENDERS ALLOWS US TO OFFER A VARIETY OF PRODUCTS AND COMPETITIVE RATES.
  • City Capital Funding Inc
  • 402 Executive Drive, Suite B, Langhorne, PA, 19047
  • Since 2003, our mission at City Capital Funding, Inc. (NMLS ID #127622) has been 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.
  • Net Equity Financial
  • 2267 Langhorne Yardley Road, Langhorne, PA, 19047
  • We are a full service Mortgage Brokerage and Real Estate Services company specializing in commercial and residential purchase mortgages, refinance and debt consolidation loans. We offer 100's of wholesale loan programs (both residential and commercial) through many of the largest lenders in the country through
  • American Mortgage Processing Services
  • One Oxford Valley, Suite 220A, Langhorne, PA, 19047
  • American Mortgage Processing Services (AMPS) is a back-office mortgage processing services provider. We specialize in Processing, Closing, Post-Closing and Quality Control of Residential Mortgage files. Our processing reduces cost, improves turn times and pass-through rates and produces quality mortgage files.
  • Creative Mortgage Solutions
  • 726 Clinch Ave, Clinton, TN, 37716
  • Established in 2000, Creative Mortgage Solutions offers loan assistance, financing and ReFinancing options, and advice from Licensed Mortgage Brokers in the state of Tennessee. Are you thinking about moving but don’t have the money to? By utilizing our loan services, you can always afford that dream home you’ve been looking at for months.
  • Preferred Lenders - Prelenders.com
  • 1814 Rte 70 W, Suite 350, Audubon, NJ, 08106
  • "America’s Preferred Mortgage Lenders has over 50 years of combined experience in all aspects of residential mortgage lending. We are a licensed mortgage banker in New Jersey, Pennsylvania, Delaware, Maryland, California, and Florida. Our independence as a mortgage banker means we can offer rates, terms, and flexibility other lenders can’t."
  • TAM Lending Center, Inc
  • 251 S. White Horse Pike, Audubon, NJ, 08106
  • "TAM Lending Center, Inc., (TAM) has over 50 years of combined experience in all aspects of residential mortgage lending. TAM is a licensed mortgage banker in New Jersey, Pennsylvania, Delaware and Florida. Our independence as a mortgage banker means we have the ability to offer rates, terms and flexibility other lenders can't."
  • WESTconsin Credit Union
  • 3333 Schneider Avenue SE, Menomonie, WI, 54751
  • WESTconsin Credit Union is one of the region's strongest financial services providers. Our history takes us back to primarily serving the Menomonie area agricultural community, then operating as Menomonie Farmers Credit Union. We expanded in membership base over the next several years and merged with other small credit unions.
  • Planters Bank
  • 1312 S Main St, Hopkinsville, KY, 42240
  • Planters Bank is a growing community bank with 12 offices in Western Kentucky & Clarksville, Tennessee. Headquartered in Hopkinsville, KY, Planters is a full-service bank with a wide array of both consumer & commercial lending and deposit services. A tradition of excellence in customer service is the reason you can Expect Great Things.