Explore the differences! FHA VS Conventional loan programs in Wright-City, Warren County, Missouri

As of 2026, the conventional loan cap within Wright-City, in Warren county, MO, is $647,200, whereas for a single-family home, the FHA loan limit stands at $420,680.

The Lendersa® Conventional loan calculator allows you to evaluate the top rates for Conventional, FHA, and USDA loans today. It helps assess the needed income, credit, reserves, and documents to qualify. Use our calculator to view Conforming Conventional, USDA, FHA, and VA loans side-by-side, simplifying the decision for the best program in MO based on your financial circumstances.

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2026 loan limits and down payment requirements in Wright-City, Warren county, MO

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

The table's analysis pertains to zip codes: 63390

Explore Conventional and FHA loan choices in Wright-City, MO

The mission of Lendersa® is to efficiently secure the best Conventional, USDA, or FHA loans for you. Begin with one of the three approaches to identify matching lenders and loan offers tailored to your needs.

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Wright-City Lenders

  • 1st American Mortgage
  • 1000 Lake Saint Louis Blvd, Suite 208, Lake Saint Louis, MO, 63367
  • Lends in Missouri
  • Our company was founded in 1999 with your best interest in mind. Almost two decades of experience in the mortgage business and helping clients like you achieve their goals helps to set us apart! We pride ourselves in taking the time and effort to get to know you and better help you understand the mortgage process.

  • Peoples Bank & Trust
  • 430 East Wood St., Troy, MO, 63379
  • Lends in Missouri
  • The Great Depression, expansion and breakthroughs in technology; Peoples Bank & Trust has survived and experienced it all since we opened our doors as Peoples Bank of Hawk Point in 1924. There have been peaks and valleys along the way, but we have never stopped in our commitment to providing the best banking and lending products

  • Jonesburg State Bank
  • 110 First Street, Jonesburg, MO, 63351
  • Lends in Missouri
  • Jonesburg State Bank is a community oriented financial institution. Since its incorporation, the bank has been a rock solid member of the community whose name stands for integrity and commitment to Montgomery and Warren counties and the surrounding area. We’ve had the same name, been within one block of the original location.

  • American Nationwide Funding LLC
  • 60 Crossroads Plaza, O Fallon, MO, 63368
  • Lends in Missouri
  • Patrick Flynn, Army Veteran and Owner of American Nationwide Funding has over 25 years of experience in real estate and investment banking and finance. He obtained his Executive MBA from Washington University and is a certified CFC. Pat's achievements include being one of the top account executives for the Clayton Merrill Lynch branch,

  • West Community Credit Union
  • 4161 Highway K, O Fallon, MO, 63368
  • Lends in Missouri
  • Chartered in 1936, West Community Credit Union is a progressive financial institution that currently serves more than 17, 000 members and businesses. We specialize in friendly, personal service using the latest in innovative technology.

    As a member-owned financial cooperative, we can generally offer better loan and savings rates and fewer fee

  • The Bank of Old Monroe
  • 2100 Highway C, Old Monroe, MO, 63369
  • Lends in Missouri
  • In 1906 a group of local farmers gathered to talk about a vision they had of opening a local community bank. In September of 1906, their dream became reality when they opened the doors for business to the Bank of Old Monroe.

    Today, the Bank of Old Monroe serves Lincoln, Pike, Warren and St. Charles counties with 5 locations in Old Monroe,

  • Bank of Washington
  • PO Box 377, Washington, MO, 63090
  • Lends in Missouri
  • The Bank of Washington, headquartered in Washington, Missouri, is proud to be the oldest and largest independently owned bank in Franklin County. Since 1877, as a community bank we have focused on hometown friendliness, personal attention and treating every customer like family. The spirit of the Bank of Washington is deeply rooted.

  • Franklin Mortgage Company, L.L.C.
  • 1381 High Street, Suite 107, Washington, MO, 63090
  • Lends in Missouri
  • Franklin Mortgage Company proudly serves Franklin and St. Charles counties, working to provide home loans with competitive interest rates and low closing costs. Our experienced mortgage professionals are committed to top-notch customer service that is honest and fair. We’re proud to serve repeat customers throughout the years.

  • Mortgage143 LLC
  • 314 Walnut Forest Drive, O Fallon, MO, 63366
  • Lends in Missouri
  • Ed Bauwens Owner at Mortgage 143 LLC. Ed have been a Mortgage Loan Specialist for the past 20 years. Ed Bauwens started his own Mortgage Brokerage company in 2020, to make you my first priority, while also helping fit your budget and terms into your most important investment; YOUR HOME!