FHA VS Conventional loan programs in 2025 for Carlsbad, Eddy County, New Mexico

In 2025, Convetional loan limit in Carlsbad, county of Eddy, NM is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in NM is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Carlsbad, county of Eddy, NM

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

The comparison table applies to zip codes: 88220, 88221

Conventional and FHA loan options in Carlsbad, NM

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Tri-CU Credit Union
  • 3213 W 19th Avenue, Kennewick, WA, 99337
  • TRI•CU Credit Union is a federally chartered credit union that was founded in 1969 by the International Brotherhood of Electrical Workers Local 112. Our name at that time was IBEW #112 Federal Credit Union and our membership was restricted to the electricians and their families. We are a not-for-profit financial cooperative that is tax exempt.
  • Kalsee Credit Union
  • 2501 Millcork St., Kalamazoo, MI, 49001
  • Kalsee Credit Union wants to be the preferred and trusted life long financial partner of our members. Our increased focus on exceptional member service will be the building block for Kalsee to deliver on our motto of: “Our Family Serving Yours” The actions and empowerment of our staff will increase the relationships we build.
  • Tri-Cities Credit Union
  • 905 Pennoyer Avenue, Grand Haven, MI, 49417
  • Tri-Cities Credit Union is a unique financial institution. We are not-for-profit, member-owned, & democratically operated by those very same members. Unlike profit-driven financial institutions, we return our excess earnings to our members in the form of friendly service, low interest rates on loans, higher yields on savings & investment accounts,
  • Northwestern Home Loans
  • 906 NW Harriman Street, Bend, OR, 97703
  • We strive to provide you with a professional and personable team that is committed to helping you obtain home financing that fits your needs. Exceeding your expectations through our array of lending options, competitive rates and outstanding customer service is our number one goal.
  • Azara Capital Solutions LLC
  • 2583 North West Monterey Pines Drive, Bend, OR, 97703
  • Tracia Larimer began in the mortgage industry in 1991 after a friend prompted me to consider this field as a career choice. Through Tracia's large network of lenders, she is able to offer a diverse array of loan products and terms from my mortgage toolbox - conventional, jumbo, FHA, VA USDA and non-conforming loan products.
  • High Lakes Lending LLC
  • 2755 NW Crossing Dr., Suite 229, Bend, OR, 97703
  • At High Lakes Lending, LLC, we look forward to meeting with you in person any chance we can get. Please feel free to schedule a meeting to discuss your Home Buying or Refinance plans. Too busy for an in person meeting? We also will schedule meetings by phone or video conference.
  • Guardian Bank
  • 701 Wildwood Plantation Drive, Valdosta, GA, 31602
  • Our bank was founded in 1997.​ Our founders established a bank based on time-tested methods of sound financial management. The bank they envisioned would serve people like themselves, who enjoy living and working in the unique region of South Georgia. Guardian Bank flourished as it helped people prosper.
  • CBC Bank
  • 3466 North Valdosta Road, Valdosta, GA, 31602
  • We pride ourselves on being a true community bank. Our bankers are your neighbors and your friends-- and we truly understand the needs of our local people. We have, and will continue to be, committed to building relationships with our customers and our community across South Georgia.
  • Ameris Bank
  • 3020 N Patterson St, Valdosta, GA, 31602
  • Ameris Bank is a financial institution serving customers across the Southeast and Mid-Atlantic. Through online account opening, customers across the nation can benefit from Ameris Bank products and services. Ameris Bank has full-service locations in Alabama, Florida, Georgia and South Carolina and mortgage-only.
  • Southeastern Credit Union
  • 3501 North Valdosta Rd., Valdosta, GA, 31602
  • Southeastern Credit Union is a not-for-profit financial institution. We were founded in 1953 as Moody Air Force Base Federal Credit Union, originally offering credit union membership to base employees and their immediate family.Since then, we've changed our name and our charter to serve our current ten-county area in South Georgia.
  • First Federal Savings and Loan Association of Valdosta
  • 411 N Patterson St, Valdosta, GA, 31601
  • First Federal was founded in 1934 by a group of businessmen who had a vision for thrift and homeownership in Valdosta/Lowndes County. Since that time, First Federal has grown and flourished along with this area. It is our goal to keep the original vision as our theme and mission for the future.