Explore the differences! FHA VS Conventional loan programs in Shelby, Cleveland County, North Carolina

For 2025, the Conventional loan limit in Shelby, within the county of Cleveland, NC, is set at $726,200. Meanwhile, for a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® Conventional loan calculator to assess the top rates for Conventional vs. FHA vs. USDA loans today. Determine the income, credit, reserves, and paperwork needed to qualify. Our advanced mortgage calculator provides a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, aiding you in selecting the ideal program in NC for your unique financial circumstances.

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Loan Limits & Down Payment Requirements for 2025 in Shelby, County of Cleveland, NC

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

The above table applies to zip codes: 28152, 28150, 28151

Explore Conventional and FHA Loan Options in Shelby, NC

Lendersa® aims to offer you the optimal Conventional, USDA, or FHA loan swiftly and with ease. Choose from three initial steps that align you with matching lenders and loan programs.

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  • NET Credit Union
  • 119 Mulberry Street, Scranton, PA, 18503
  • NET Credit Union We can service all of your personal finance needs - from everyday checking (with no fees) to saving for long-term. Check out our low-interest rates on all types of loans.and also NET Credit Union is non-profit bank located in Northeastern, Pennsylvania. All employees are trained credit score specialist.
  • Kapital Mortgage Lending LLC
  • 329 Penn Avenue, Suite 200, Scranton, PA, 18503
  • We are an Independent Mortgage Broker Where We Work For You! Our goal is to find the best mortgage for your lifestyle. Unlike the big banks we specialize in just Mortgages. We partner with several lenders & have access to lower wholesale rates.We act as your personal loan shopper & can get you to the closing table in as little as 21 days or less.
  • First Community Bank and Trust
  • 1111 Dixie Highway, Beecher, IL, 60401
  • First Community Bank and Trust is a privately owned bank. Established in 1916 First Community Bank and Trust has been serving Beecher, IL, Peotone, IL and the surrounding communities for over 100 years. Our commitment to providing the best banking products and services is matched only by our outstanding customer service.
  • BLUEROCK MORTGAGE, L.L.C.
  • 1120 Campus Drive W., MORGANVILLE, NJ, 7751
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to find and provide the right home loan for our clients while providing them with the lowest combination of interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • FBT Mortgage
  • 6911 Washington Avenue, Suite B, Ocean Springs, MS, 39564
  • FBT Mortgage (FBTM) is a wholly owned subsidiary of First Bank and Trust headquarted in New Orleans, Louisiana. FBTM offers traditional mortgage products as well as unique solutions that are customized to the special needs of clients. FBTM offers Conventional Mortgage financing as well as Veterans Administration (VA), FHA, USDA loans.
  • Public Service Federal Credit Union
  • 619 Union Avenue, Middlesex, NJ, 08846
  • Our mission is simple; we want to provide our members with the highest quality customer service while offering valuable financial products with the best rates available. We truly are people helping people! We are a full service Financial Institution. Our members have access to loans, mortgages, IRA & Visa debit cards, checking/savings accounts.
  • GENNEXT FUNDING, LLC
  • 1275 Bound Brook Road Suite 8, Middlesex, NJ, 8846
  • We believe that every American should be able to easily attain his or her dream of home ownership through a simple, user-friendly process; a process which is client-centered, and results-driven. GenNEXT Funding offers our clients tailored financial solutions from mortgages for first time home buyers to loans for property investments.
  • Rate House Mortgage Company
  • 1316 Bound Brook Suite 2C, Middlesex, NJ, 8846
  • Rate House Mortgage Company was founded with a simple mission - To provide our clients with the best rates and terms in the industry. And our Team Members with the best place to work. Our priority is to keep home ownership affordable, and accessible to qualified American Families.
  • Oxford Bank
  • 60 S. Washington Street, Oxford, MI, 48371
  • Oxford Bank is the oldest commercial bank headquartered in Oxford, Michigan and has operated continuously under local ownership and management since 1884. We manage seven full-service bank branches, and four customer-focused remote offices located throughout Oakland, Genesee, and Lapeer counties.
  • Brick Financial Group LLC
  • 18 N Washington Street, Suite C, Oxford, MI, 48371
  • At Brick Financial Group our main goal is to provide an exceptional value while maintaining high service standards to all members of our extended community. In an ever changing mortgage market, where technology and robot loans are all the rage, we want to be the lender who is for the people, by the people.
  • Lindell Bank
  • 6900 Clayton Avenue, Saint Louis, MO, 63139
  • LIndell Bank is a full service community bank with 12 locations in the greater St. Louis area. It has over $500M in total assets and a capital to asset ratio of over thirteen percent. We are relationship bank and welcome your business. Please contact me for all of your banking needs.