Explore the differences! FHA VS Conventional loan programs in Three-Rivers, St. Joseph County, Michigan

In 2025, Convetional loan limit in Three-Rivers, county of St. Joseph, MI is $647,200 while FHA limit is $420,680 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in MI is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Three-Rivers, county of St. Joseph, MI

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

The comparison table applies to zip codes: 49093

Conventional and FHA loan options in Three-Rivers, MI

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Journey Credit Union
  • 2930 SE 14th Street, Des Moines, IA, 50320
  • "Journey Credit Union's friendly staff is here to serve all your financial needs. It shall be the mission of Journey Credit Union to benefit all members by: promoting thrift and encouraging regular savings; offering loans at reasonable rates of interest; providing personal, professional and confidential services to all members;"
  • The Summit Federal Credit Union
  • 100 Marina Drive, Rochester, NY, 14624
  • The Summit has one of the highest employee retention rates in the industry. It truly cares about its employees, helping them to achieve their personal and professional goals. At The Summit, we are committed to creating an inclusive professional environment where individual differences are respected and valued.
  • St Pius Federal Credit Union
  • 2998 Chili Avenue, Rochester, NY, 14624
  • St. Pius X Church Federal Credit Union has been open since 1967. The credit union has assets totaling $94.07 Million and provides banking services to more than 6, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • Gates Chili Federal Credit Union
  • 2870 Buffalo Road, Rochester, NY, 14624
  • In 1964, seven teachers in the Gates Chili school district started the credit union, originally named Gates Chili School District Federal Credit Union. The Gates Chili Federal Credit Union is a full-service, financial cooperative that offers a broad range of financial products and services to our members.
  • All NY Funding Inc
  • 3900 Buffalo Road, Rochester, NY, 14624
  • "At All NY Funding Inc We’ll need some basic information to get started! Your name, mailing address, e-mail, phone number, and the property on which you hold collateral. It’s that simple to get started… We then do a quick look up to determine whether or not we can help you with your needs."
  • St. Thomas Credit Union
  • 4230 Harding Pike, Suite 103, Nashville, TN, 37205
  • Since 1959, St. Thomas Credit Union has been dedicated to growth & improvement through expansion of our financial products, knowledge and services. St. Thomas Credit Union realized that our sister credit union, St. Thomas Federal Credit Union in the Virgin Islands was hit hard by the recent hurricanes.
  • Shell Lake State Bank
  • 102 5th Avenue, Shell Lake, WI, 54871
  • Shell Lake State Bank has been providing financial services to the residents and visitors of Northwest Wisconsin. Complete banking services are available at the Main Office in Shell Lake as well as the branch offices located in Spooner, Minong, Hayward and Stone Lake, WI. The Shell Lake State Bank.
  • Northern State Bank
  • 321 Main St W, Ashland, WI, 54806
  • Northern State Bank has been serving the needs of our communities for over 85 years. The bank’s original charter incorporated the Marengo State Bank in 1920. In 1933 the articles of incorporation were amended, changing the name to Northern State Bank, and the main office was moved to Ashland.
  • Peoples Community Bank
  • 200 E 2nd Street, Annapolis, MO, 63620
  • Since 1977, Peoples Community Bank has served the communities of southern Missouri. For more than 40 years, we’ve helped families build homes, businesses achieve success, and farmers finance growth. By staying true to our mission and our values, we have built the knowledge and trust needed for continued success.