FHA VS Conventional loan in Matthews, Mecklenburg County, North Carolina

As of 2025, the conventional loan limit for Matthews in Mecklenburg, NC, is $726,200. The FHA limit for a single-family home is set at $472,030.

Use the Lendersa® Conventional loan calculator to evaluate and compare today's optimal rates among Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator allows side-by-side evaluation of Conforming Conventional, USDA, FHA, and VA loans, helping you choose the best program for your financial situation in NC.

Check out loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Matthews, Mecklenburg, NC

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

Applicable to zip codes: 28105, 28106

Options for Conventional and FHA Loans in Matthews, NC

Lendersa® aims to connect you swiftly with the best possible Conventional, USDA, or FHA loan without hassle. Select one of three starting paths that guide you to matching lenders and tailored loan programs.

Results from Lendersa USDA loan requests and matching


  • ID Mortgage Broker
  • 13317 Ventura Blvd, Suite H, Sherman Oaks, CA, 91423
  • "ID Mortgage Broker offers professional and affordable mortgage services in Los Angeles and California. Including but not limited to conventional loans, hard money, FHA, VA, USDA, and JUMBO loan programs. Purchasing a home, getting new vacation property or refinance your current loan should be hustle free and positive, not creepy and draining"
  • Lantern Financial Corp.
  • 13701 Riverside Drive, 3rd Floor, Sherman Oaks, CA, 91423
  • Lantern Financial is your "bank alternative" for business purpose loans on all types of commercial properties in the Southern California area. We are more than just a lender. We help our customers design a loan best suited for their commercial real estate lending needs. Our customers receive fast and direct answers about their loan inquiries.
  • California Hard Money Direct
  • 13547 Ventura Blvd #177, Sherman Oaks, CA, 91423
  • California Hard Money lender offer non owner residential and commercial loan everywhere in California. We lend on the collateral not the credit.In addition to our standard Hard Money Loans we also have hybrid programs for people who happen to have FICO scores above 650. We have programs to fit most borrowers and will make any loan as long as it ma
  • 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.
  • RCN Capital
  • 3415 S. Sepulveda Blvd. Ste 580, Los Angeles, CA, 90034
  • RCN Capital®, LLC is a national, direct private lender. We provide short-term commercial loans ranging from $50k to $2.5M+ to fund the purchase and rehab of non-owner occupied residential and commercial properties, provide bridge loans, and provide real estate-backed lines of credit.
  • United Mortgage Corporation of America
  • 18274 Cumulus Ct, Santa Clarita, CA, 91350
  • The United Mortgage Corporation of America team is committed to providing clients with the highest quality financial services combined with offer an array of complimentary mortgage tools available on the Internet – with 24/7 access for easy, convenient, online pre-approvals and applications for jumbo, conventional, FHA and VA loan programs.
  • Great Western Home Loans Inc
  • 21080 Centre Pointe Parkway, Santa Clarita, CA, 91350
  • Great Western is at the forefront of providing cutting edge mortgage products to its clients with speed and integrity and also We are experts in lending options for new homes, existing homes, Refinancing, second homes, rentals, tourist visa/foreign buyers financing programs and Home Loans We are experts in lending options for new homes.
  • America Capital Funding Inc
  • 28419 Connick Place, Saugus, CA, 91350
  • We are a full-service mortgage company based in Santa Clarita, California. We specialize in Construction, FHA, Jumbo and VA mortgage loans as well as Commercial Loans in Santa Clarita. We also serve the surrounding cities in Los Angeles County and the entire State of California and Idaho.
  • Flexi-View Lending
  • 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.
  • Union Investments & Loan Corp.
  • 3820 Del Amo Blvd, Suite 226, Torrance, CA, 90503
  • UIAL is founded and managed by Al Tabrizi since 2008. With over 25 years of experience in real estate, real estate development, mortgage banking, equity investments, Union Investments' management and its partners are offering investors opportunities created by the current economy to generate high yield returns.