FHA VS Conventional loan programs in 2025 for Southfield, Oakland County, Michigan

In 2025, the conventional loan limit for Southfield in Oakland County, MI, is set at $726,200, whereas the FHA cap for a single-family home is $472,030. This distinction provides clear boundaries to guide financial decisions for prospective homebuyers.

Take advantage of the Lendersa® Conventional loan calculator to compare today's most favorable rates for Conventional, FHA, and USDA loans. This tool helps determine needed income levels, credit standards, reserves, and documentation required for approval. Our advanced mortgage calculator lets you evaluate Conforming Conventional loans alongside USDA, FHA, and VA options, enabling you to decide which is best for your financial strategy in MI.

Access and compare loan offers from a diverse array of 100 lenders

2025 Loan Limits and Down Payment Requirements in Southfield, Oakland County, MI

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

This comparison table applies to the zip codes: 48033, 48034, 48075, 48076, 48037, 48086

Variety of Conventional and FHA Loan Options in Southfield, MI

Lendersa® is dedicated to facilitating a seamless experience in sourcing the best Conventional, USDA, or FHA loan, promptly and without unnecessary hassle. Begin with one of three pathways to connect with suitable lenders and relevant loan programs.

Lendersa USDA loan request and matched outcomes


  • Flexi View Lending LLC
  • 2029 Century Park E, Los Angeles, CA, 90067
  • Discover Flexi-View Lending—your trusted financial partner! With a dedicated team led by Jesse Low, we empower clients through personalized lending solutions. Whether you're purchasing a new home or refinancing, our tailor-made services adapt to your financial goals. Contact us at [email protected] for advice that transforms dreams into re
  • Scott Griffin Financial
  • 1999 Avenue of the Stars, Suite 1100, Los Angeles, CA, 90067
  • Scott Griffin Financial Management Solutions specializes in high-end residential mortgages, offering loans in California. The brokerage caters to high-net-worth individuals to offer 'A' Paper Jumbo Loans through concierge-grade, specialized service.Scott Griffin Financial is one of only a small number of brokerages that can offer the patented.
  • Guzzo & Co Inc.
  • 2029 Century Park E, Suite 400 Office 487, Los Angeles, CA, 90067
  • "Led by the Guzzo's family for over five generations in Europe, Guzzo & Co has been primarily associated with merchant activities. Started as an investment company in Italy, Guzzo & Co has expanded its presence in North America with a Mortgage Lending division and continues today to be an active independent investment firm"
  • American Trust Financial
  • 1880 Century Park East, Suite 412, Los Angeles, CA, 90067
  • With Over 30 Years of Combined Experience, Our Team has the Knowledge and Expertise to Ensure Professional, Accurate, High-Quality Service. We can give you an answer within 24 hours to see if you qualify for financing even if you have been turned down by other lenders. We put together a repayment plan with our borrowers that works for them.
  • Hard Money Go - Direct Hard Money Lenders
  • 10100 Santa Monica Blvd. #300, Los Angeles, CA, 90067
  • Hard Money Go specializes in residential and commercial hard money lending throughout Southern California. As the largest single source of private money, we have the ability to fund hard money loans within 10 business days and can get your deals closed under strict time deadlines.
  • Century City Mortgage
  • 1801 Century Park East #1101, Los Angeles, CA, 90067
  • Century City Mortgage is a full service mortgage brokerage operation that provides financing across almost all real estate categories. Our goal has been to provide property owners of all levels with not just financing, but long term strategy advice for their particular situation.
  • Archway Funding
  • 1875 Century Park East, Suite #900, Los Angeles, CA, 90067
  • Archway Capital is an alternative investment manager that provides short-term, bridge financing secured by commercial and residential real estate nationwide. Archway and it's affiliated funds have over 600MM in AUM. Archway offers quick, reliable and flexible lending solutions to help real estate sponsors meet their investment objectives.
  • LMB Mortgage Services, Inc
  • 4859 W Slauson Ave, Suite 405, Los Angeles, CA, 90056
  • LowerMyBills.com is a premier, free online service for consumers to compare low rates on monthly bills and reduce the cost of living. LowerMyBills.com is the one-stop destination that offers savings through relationships with more than 500 service providers across multiple categories, including home loans, credit cards, auto and health insurance.
  • J and J Mortgage
  • 908 Taylorville Road, Suite 200, Grass Valley, CA, 95949
  • Jessica Burton, started this company in 2011 because she believed she could make a difference in the mortgage industry. She started out by herself working out of her garage with a dream of running a company that offered exceptional service and a wealth of knowledge. Today she has just that, a team of people who challenge themselves.
  • Golden State Home Loans
  • 10076 Alta Sierra Dr., Grass Valley, CA, 95949
  • Golden State Home Loans is a Mortgage Broker NMLS #1839739. Helping First Time Home Buyers and Existing Home Owners acquire Lower Interest Rate and Lower Fee Home Loans Broker NMLS #1839739. Helping First Time Home Buyers and Existing Home Owners acquire Lower Interest Rate. Whether you’re buying, selling, refinancing, or building your dream home
  • Equitable Mortgage & Realty Incorporated
  • 2824 South Robertson Boulevard, Los Angeles, CA, 90034
  • Equitable Lending, we treat each customer as an individual; not a number. Unlike the "big lenders" we actually take time to listen to our customers' goals and aspirations, and we use old fashioned common sense and hard work to help our customers obtain the best loan possible given their goals and their situation. As a premier boutique mortgage.
  • SUNRISE MORTGAGE
  • 3415 S. Sepulveda Blvd, Suite 420, Los Angeles, CA, 90034
  • At Sunrise Mortgage, relationships drive everything we do - from who we hire to the clients we represent and the vast network of lenders we've established. We are a full service mortgage banking firm, originating and servicing commercial real estate loans nationwide through our extensive institutional lender network.