FHA VS Conventional loan in Salisbury, Rowan County, North Carolina

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

Utilize the Lendersa® Conventional loan calculator to assess and compare today's best rates across Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator lets you view Conforming Conventional, USDA, FHA, and VA loans side by side, helping decide on the best program for your financial needs in NC.

Explore loan offers from a selection of 100 lenders

Loan Limits and Down Payment Requirements for 2025 in Salisbury, Rowan, NC

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

This table applies to zip codes: 28146, 28144, 28147, 28145

Conventional and FHA Loan Options in Salisbury, NC

Lendersa® is committed to getting you the best possible Conventional, USDA, or FHA loan quickly and effortlessly. Choose one of three starting points to connect with matching lenders and loan programs.

Results from Lendersa USDA loan requests and matching


  • Qualified Home Loans
  • 23330 Mill Creek Drive, Suite 150, Laguna Hills, CA, 92653
  • Qualified Home Loans is a full service California Mortgage Brokerage that creates opportunity for home buyers & transactions for real estate agents. At Qualified we match expertise, diverse loan offerings & personal attention. Our talented team of dedicated professionals will custom tailor a loan strategy for you to accomplish your family’s goals.
  • Homeland Financial Network, Inc.
  • 23022 La Cadena, Suite 203, Laguna Hills, CA, 92653
  • Homeland Financial Network, Inc was founded in 2007 as a mortgage broker firm. We have since evolved into a direct lender. Due to our massive amount of relationships developed over the years, we have every program imaginable to offer our clients, with the very best interest rates in the market.
  • Guardian Capital
  • 23046 Avenida de la Carlota, Suite 601, Laguna Hills, CA, 92653
  • Founded in 1994, Guardian Capital has been providing real estate home mortgages to California residents, based primarily in Southern California. Guardian Capital, my top priority is finding our clients the best loan rate and loan package. With 22 plus years experience, I have the relationships, resources.
  • Interest Smart Home Loans
  • 23172 Plaza Pointe Dr, Suite 155, Laguna Hills, CA, 92653
  • Interest Smart Home Loans was established in January 2014 by Jared Hart. Jared and his team set out to create a mortgage company that was built on a foundation of trust, integrity and honesty. We strive to treat our clients and our employees with the utmost respect that they deserve.
  • KP RE Capital Group
  • 4770 Eureka Ave , Suite 82, Yorba Linda, CA, 92885
  • We provide Hardmoney loans fast, efficiently and can make almost any deal work. Call or e-mail us today with your deal, we provide loans in all across the US and are dedicated to working hard for you. Unlike most “Lenders” we use our own money and underwrite your deal ourselves.
  • Residential Mortgage Funding
  • 172 N. Tustin Street, Suite 302, Orange, CA, 92869
  • We can assist you with qualifying and obtaining the mortgage plan best suited for your needs and lifestyle. We are an established licensed correspondent lender, which means you can get your financing quickly with minimal hassle for your California or Tennessee home. Residential Mortgage Funding strives to bring you the finest service.
  • ORANGE CIRCLE INTERNATIONAL
  • 8502 Chapman Avenue, Suite 199, Orange, CA, 92869
  • Orange Circle International (OCI) Loans offers a wide range of commercial financing programs to help businesses of all sizes thrive. We provide business loans that are tailored to suit various objectives, and we maintain extensive partnerships with investors and other sources of financing.
  • Reverse Mortgage West
  • 20 Truman Street, Suite 205, Irvine, CA, 92620
  • RMWest’s focus is serving senior clients’ retirement and life-stage needs through the Reverse Mortgage product. Our team of select, seasoned Reverse Mortgage Loan Officers is committed to serving seniors. Our veteran Reverse Mortgage Loan Officers are senior specialists well-versed in considering the the total financial/life stage needs
  • Beacon Lending And Realty, Inc
  • 21 Foxcrest, Irvine, CA, 92620
  • Our mission is to provide you with high quality mortgage programs that are customized to fit your unique situation. We work & do business in an upfront and fully transparent way. We disclose the fees to the clients in advance and in writing & disclose the rate sheets from various lenders, listing the rates & points passed through from the lenders.
  • BlackMarket Mortgage
  • 14271 Jeffrey Road, Suite 316, Irvine, CA, 92620
  • Our 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.
  • Red Hot Properties
  • 4790 Irvine Blvd, Suite 105-594, Irvine, CA, 92620
  • Since 1991 Siavosh "SAM" Ardalan (Broker/Owner) has always served the community with integrity and professionalism. His clients are lifelong. He is an expert negotiator and problem solver. Many transactions have been saved with his creative solutions that made all parties extremely happy.