Explore the differences! FHA VS Conventional loan programs in St.-James, Phelps County, Missouri

In 2026, the maximum limit for a Conventional loan in St.-James, within the county of Phelps, MO, is $647,200. At the same time, the FHA loan cap for a single-family dwelling is $420,680.

Utilize the Lendersa® Conventional loan calculator to explore and compare the most competitive rates between Conventional loans, FHA loans, and USDA loans. It will help you assess income, credit scores, reserves, and the necessary documentation to qualify. With our advanced mortgage calculator, you can evaluate Conforming Conventional loans alongside USDA, FHA, and VA options for a detailed comparison of which program might be most suitable for your financial circumstances in MO.

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2026 Loan Limits and Down Payment Details in St.-James, Phelps County, MO

Loan Category Maximum Loan Amount Minimum Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparative data is relevant to these zip codes: 65559

Explore Conventional and FHA Loan Alternatives in St.-James, MO

The mission of Lendersa® is to swiftly provide you with the best possible Conventional, USDA, or FHA loans, minimizing any hassle. You are invited to choose among three starting paths that will align you with appropriate lenders and loan programs.

Lendersa USDA's loan request and matching outcomes


  • national directlender llc
  • 500 N Green St, Little Egg Harbor, Tuckerton, NJ, 08087
  • Empowering dreams with tailored financial solutions, National Directlender LLC champions homeownership by offering diverse loan options. From FHA and VA loans to Reverse Mortgages and Bridge Loans, we provide expert guidance every step of the way, ensuring families secure homes and futures. Choose National Directlender LLC as your bridge to financi

  • Dyer Mortgage, a Division of Primary Residential Mortgage, Inc.
  • 10 S Harbor City Blvd, Melbourne, FL, 32901
  • Dyer Mortgage Group was founded by Bobbie Dyer, a Veteran Mortgage Banking professional with over 28 years’ experience. Our philosophy is to give our clients world-class customer service combined with the best rates, terms, and programs to meet their individual needs. We love to serve those who serve our community.

  • Obsidian Financial Services
  • 907E. Strawbridge Ave Suite 101/102, Melbourne, FL, 32901
  • "Obsidian Financial, we are believers in speed without compromising quality which is why we try and get you to speak directly to one of our highly trained Loan Originators. We offer an experience that will set the industry standard, by allowing you to personally know the Loan Originator.
    "

  • American Mortgage Partners, Inc
  • 3025 Rt 10, Unit 3, Morris Plains, NJ, 07950
  • American Mortgage Partners, Inc. Our mortgage representatives specialize in providing home loans to borrowers in New Jersey and Pennsylvania. We have decades of experience offering top-notch client service. In addition to conventional and FHA, VA, and USDA loans, we provide solutions beyond traditional banking.

  • Mortgage Access Corporation
  • 225 Littleton Road, Morris Plains, NJ, 07950
  • Established in 1980, in Chatham, NJ Mortgage Access Corp. is licensed in over 40 states. As a Licensed Mortgage Banker, Mortgage Access Corp. derives its mortgage products from many sources & investors; unlike banks or savings & loan institutions, which are often limited by the availability of their own deposits & a single lending philosophy.

  • Brunswick Bank and Trust Company
  • 439 Livingston Avenue, New Brunswick, NJ, 08901
  • Brunswick Bank & Trust was started on one idea, helping people. At the time it opened its doors, a bank of its kind didn’t exist in the local area. While the national bank set out to help citizens from a government level & the saving bank helped them with investments, the founders of Brunswick Bank strived for a more inclusive approach to banking.

  • Magyar Bank
  • 400 Somerset Street, New Brunswick, NJ, 08901
  • Magyar Bank is your one stop solution for all your banking needs. We've been helping families and businesses reach their financial dreams since 1922, and we're an active leader in the communities we serve. Each year, we support over 75 local organizations through employees volunteering their time, and corporate donations.

  • Lakeland Bank
  • 250 Oak Ridge Road, Oak Ridge, NJ, 07438
  • Lakeland Bank is the wholly-owned subsidiary of Lakeland Bancorp, Inc., with over $8 billion in total assets. With an extensive branch network and commercial lending centers throughout New Jersey and Highland Mills, NY, the Bank continues to build on its infrastructure of financial strength, profitability, efficiency and quality service.

  • HomeGotOwned
  • 786 Mountain Blvd, Suite 202, Watchung, NJ, 07069
  • We deliver the absolute best lending experience through knowledge, communication, and care. Our mission supports the growth and strength of our communities and provides a pathway to the dream of homeownership. Whether you are a new home buyer looking for a first time mortgage or needing to refinance your home mortgage.

  • TOP VINE MORTGAGE SERVICES, L.L.C.
  • 786 Mountain Blvd, Suite 202, Watchung, NJ, 07069
  • Top Vine Mortgage Services was formed to ensure customer satisfaction is met. By partnering with the nation's top financial institutions, our distinctive approach to mortgage financing means we can virtually guarantee our clients receive the best rates and terms available. With years of experience and deep industry insights,