FHA VS Conventional loan programs in 2026 for Oak-Ridge, Guilford County, North Carolina

In 2026, the Conventional loan limit in Oak-Ridge, which falls within Guilford county, NC, is $647,200, whereas, for a single-family home, the FHA limit is $420,680.

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Comparison of loan calculators

Utilize the Lendersa® Conventional loan calculator to compare the highest available rates today for Conventional, FHA, and USDA loans. Determine the necessary income, credit reserves, and documents required to qualify. With this advanced mortgage calculator, compare Conforming Conventional loans alongside USDA, FHA, and VA loans to figure out which program in NC best suits your particular financial needs.

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2026 Loan Limits and Down Payment Requirements in Oak-Ridge, Guilford County, NC

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

This information applies to the following zip codes: 27284

Conventional and FHA Loan Options in Oak-Ridge, NC

The goal at Lendersa® is to connect you quickly with the optimal Conventional, USDA, or FHA loan. Choose one of three entry points that will match you with lenders and loan programs best suited for your needs.

  1. Submit a comprehensive request to optimize loans: Conventional/USDA/FHA
  2. Find the best rates & terms for Conventional, USDA, and FHA loans
  3. Explore our extensive database of Conventional lenders
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Oak-Ridge Lenders


  • Bank of Oak Ridge
  • 8050 Fogleman Rd, Oak Ridge, NC, 27310
  • Lends in North Carolina

  • Established in 2000, Bank of Oak Ridge is a community bank dedicated to delivering Spectacularly Local banking. With Triad locations in Oak Ridge, Greensboro, High Point and Summerfield, North Carolina, we focus on providing personalized, convenient banking services close to home and work

  • Winston-Salem Federal Credit Union
  • 711 East Salem Avenue, Winston Salem, NC, 27101
  • Lends in North Carolina

  • The Winston-Salem Federal Credit Union was incorporated in October, 1957. The Credit Union ended that year with 94 members and $2, 980 in assets. Today we are a full service credit union serving thousands of members with millions of dollars in assets.

    To be the members' primary financial institution by providing reliable,

  • Truliant Federal Credit Union
  • 893 North Liberty Street, Suite A, Winston Salem, NC, 27101
  • Lends in North Carolina

  • Truliant Federal Credit Union was chartered in 1952 to serve the employees of Western Electric and was known as Radio Shops Credit Union. It began serving about 2, 000 members and offered credit union services in Winston-Salem, Greensboro and Burlington. Today, Truliant serves over 280, 000 members with more than 30 locations.

  • Summit Credit Union
  • 8210 West Market Street, Greensboro, NC, 27409
  • Lends in North Carolina

  • Summit Credit Union is a not-for-profit cooperative serving members since 1935. Summit is a full service financial institution offering products from traditional savings and checking accounts, to lending, financial advising, property, life, casualty insurance, and more. We have eight branches conveniently located throughout North Carolina.

  • IMG Mortgage Greensboro
  • 5574 Garden Village Way, Suite B-3, Greensboro, NC, 27410
  • Lends in North Carolina

  • Integrity Mortgage Group offers wide range of lending programs, including first time home buyer/FHA loans as well as loans for well-established customers thinking about second homes, vacation homes, investment properties, rental units, and "fixer-uppers." We also have a variety of money-saving refinancing options.

  • First Carolina Mortgage
  • 102 Dolley Madison Road, Greensboro, NC, 27410
  • Lends in North Carolina

  • At First Carolina Mortgage, we have been proudly serving the Greensboro, Triad, North Carolina area since 1990. We strive to render professional service in a friendly atmosphere. Our loan officers have the skills and experience to meet your lending needs. Customer satisfaction will always be our top priority.

  • Jefferson Capital Mortgage
  • 3859 Battleground Ave, Suite 101, Greensboro, NC, 27410
  • Lends in North Carolina

  • At Jefferson Capital Mortgage. We are a local full-service mortgage company based in Greensboro, North Carolina. We service all of North Carolina and Virginia. We specialize in FHA, VA, USDA, HomePath, Jumbo and Conventional Loans. Whether you are buying a home or refinancing in North Carolina or Virginia we can help you realize you.

  • Triad Business Bank
  • 1501 Highwoods Boulevard, Suite 103, Greensboro, NC, 27410
  • Lends in North Carolina

  • The Triad’s economy is fueled by small businesses and these companies need capital to continue to thrive. The Triad has gone from a banking community with local leadership with a vested interest in the Triad to larger institutions with broader interests. Triad Business Bank can be a catalyst for our community.

  • Tideline Financial LLC
  • 211 West Lexington Avenue, Suite 101, High Point, NC, 27262
  • Lends in North Carolina

  • Tideline Financial Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of North Carolina. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers
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