FHA VS Conventional loan in St.-James, Brunswick County, North Carolina
Throughout 2026, the maximum limit for a conventional loan in St.-James, situated in Brunswick county of NC, is $647,200, while the FHA limit for a single-family home is $420,680.
Utilize Lendersa®'s Conventional loan calculator to evaluate the best rates for Conventional versus FHA and USDA options available today. Determine the necessary income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows for side-by-side comparison of Conforming Conventional loans alongside USDA, FHA, and VA options to assist in identifying the optimal program in NC that meets your financial needs.
Loan Limits and Down Payment Requirements for 2026 in St.-James, Brunswick County, NC
Loan Type
Loan Limit
Required Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
The comparative table addresses the following zip codes: 28461
Navigating Conventional and FHA Loan Options in St.-James, NC
Lendersa® aims to facilitate a streamlined process in securing the most suitable Conventional, USDA, or FHA loan with ease and speed. Choose from one of three starting pathways that will guide you to appropriate lenders and suitable loan programs.
5016 East Oak Island Drive, Unit 2, Oak Island, NC, 28465
Lends in North Carolina
Shoreline Mortgage can shop several different lenders to find you the lowest rate and unlike large lenders we don’t have high profit margins to cover a large staff or overhead. At Shoreline Mortgage Group we will do the shopping for you so you can get the lowest rate and best product to fit your individual mortgage needs.
Gateway Funding, Inc. is a NC based family owned and operated specializing in commercial lending with a wide range of products in 45 states. We give a free consultation in order to determine the goals of the client and assess their financial situation. (Including refinancing) Gateway Funding, Inc.
5653 Carolina Beach Rd, Suite D2, Wilmington, NC, 28412
Lends in North Carolina
We specialize in residential mortgages and offer conventional, FHA, USDA, and VA loans. We take pride in treating each customer as a family member! Our dedication to customer service is the foundation of our business. With many years experience, it’s the reason so many of my clients finance with Seaside Mortgage.
We are dedicated to treating others with excellence, just as we would like to be treated ourselves. This is not just an example of the "Golden Rule", but a Biblical principle we have chosen to practice on a daily basis. ABBA First Mortgage offers the best mortgage rates in North Carolina and Tennessee
Alpha Mortgage Corporation has been serving our local communities since 1983, and our unwavering support continues to this day. With a team of experts by your side throughout the entire loan process, you can rest at ease knowing that you are getting the best most attentive service available.
"Alpha Mortgage Corporation is a full service mortgage banker with in-house processing, underwriting, closing and funding of your home.
Formed in 1983, Alpha Mortgage has attained its growth and success through the introduction of a continuing series of innovative programs and services that have become standards in the mortgage lending industr
215 Racine Drive, Suite 105, Wilmington, NC, 28403
Lends in North Carolina
Coastline Mortgage Consultants, LLC is one of Wilmington’s oldest mortgage companies. Founded in 2002, Coastline Mortgage Consultants, LLC is locally owned and operated by John Russ and Chad Ludwig. With over 40 years combined experience in the mortgage industry, John and Chad have successfully navigated multiple industry changes
3205 Randall Parkway, Suite 211, Wilmington, NC, 28403
Lends in North Carolina
National Home Finance is a Wilmington, NC based mortgage brokerage and mortgage lenders company. Our philosophy is simple: treat our customers as we wish to be treated. We take a consultative approach instead of pushing everyone into a cookie-cutter loan; we will find the type of mortgage loan that is best for you
At Atlantic Coast Financial Services we never charge an upfront Application Fee or Appraisal Fee. We are paid directly by our Approved Lender partners when your loan closes and only when your loan closes, so we have a direct interest in making sure everything is done right and efficiently.
