Explore the differences! FHA VS Conventional loan programs in Lake-Royale, Franklin County, North Carolina

In 2025, Convetional loan limit in Lake-Royale, county of Franklin, NC 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 NC is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Lake-Royale, county of Franklin, NC

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $297,100 0%
FHA $420,680 3.5%

The comparison table applies to zip codes: 27549

Conventional and FHA loan options in Lake-Royale, NC

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


  • Stearns Home Loans - Fremont, CA
  • 1110 E. Chapman Ave, Suite 101, Orange, CA, 92866
  • Headquartered in Lewisville, TX, Stearns Lending, LLC and its affiliated entities have provided 30 years of mortgage lending services throughout the United States where licenses are held. Stearns’ business channels include wholesale, retail, joint venture, and financial institution groups.
  • American First Credit Union
  • 6 Pointe Dr, Suite 400, Brea, CA, 92822
  • For more than 65 years, American First Credit Union has remained focused on the financial well-being of our members and our community, offering competitive products and personal service. With a vision to be our members’ most essential financial resource, we are relentless in our efforts to deliver a world of access, ease and convenience.
  • Mountain West Financial
  • 43832 20th Street W, Lancaster, CA, 93534
  • Since 1990 Mountain West Financial has built a reputation of not just putting our clients in any loan, but putting them in a home loan that suits both their short and long term goals. We strive to earn the opportunity to become a lender for life. Our success over the past 30 years is derived from our goal of offering sustainable homeownership
  • Prudential Wholesale Lending
  • 42442 10th Street West, Suite B, Lancaster, CA, 93534
  • At Prudential Wholesale Lending® we offer our clients wholesale loan pricing on their loans which means competitive rates and better interest rate and closing costs. We also provide our clients with credit consulting to help them get the best loan program for them at the best rate.
  • HomeLoanHero
  • 3972 Barranca Pkwy, Suite J409, Irvine, CA, 92606
  • TheHomeLoanHero.com, a direct Orange County mortgage lender and California Mortgage Broker, has been involved in Private Real Estate Investment and Financing for many years now. And during this time we have been able to solve the problems of many of our Southern California clients and Orange County residents who want to own their own home.
  • Patriot Equity Mortgage LLC
  • 4000 Barranca Pkwy, Suite 250, Irvine, CA, 92606
  • Patriot Equity Mortgage LLC is a mortgage company designed with the idea of giving families a helping hand as families strive to achieve their goals, dreams, and success. We do this by educating consumers about financing the purchase of their own home, especially first time homebuyers, and teaching all homebuyers how to protect their investment.
  • CHM Redding Reverse Mortgage
  • 16845 Von Karman Ave, Suite 200, Irvine, CA, 92606
  • Change Home Mortgage is a residential mortgage lender approved as a direct seller and servicer by Fannie Mae, Freddie Mac, and Ginnie Mae. Change Home Mortgage is certified by the United States Department of the Treasury as a Community Development Financial Institution (CDFI) allowing it to offer proprietary mortgage options.
  • Vision Quest Lending
  • 2860 Michelle Drive, Suite 140, Irvine, CA, 92606
  • Vision Quest Lending was founded on the idea of making the mortgage process easier while bringing savings to homeowners from application to closing. We really pride ourselves on bringing low mortgage rates and low fees to our customers - after all, the less you spend on your mortgage, the more you can spend on other important things in your life.
  • New Leaf Funding Inc.
  • 30 Corporate Park, Suite 203, Irvine, CA, 92606
  • New Leaf Funding Inc mission is 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 that can arise while securing a loan
  • Commerce Home Mortgage
  • 16845 Von Karman Avenue, Suite 200, Irvine, CA, 92606
  • Commerce Home Mortgage mission is to provide financial services to the entire population of people, not just individuals that are able to meet today’s stringent documentation guidelines. We specifically aim to empower underbanked homeowners and communities by providing access to prime capital