FHA VS Conventional loan programs in Los-Chaves, Valencia County, New Mexico

For 2026, the Conventional loan cap in Los-Chaves, located in Valencia county, NM, is $647,200. Conversely, the FHA limit for a single-family home reaches $420,680.

The Lendersa® Conventional loan calculator is a great tool to evaluate today's best rates among Conventional, FHA, and USDA loans. Determine what income, credit score, reserves, and documentation you need to qualify. Our advanced mortgage calculator provides a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA, helping you identify the best program for your financial scenario in NM.

Compare financing options from 100 different lenders

Loan Limits and Down Payment Requirements for 2026 in Los-Chaves, Valencia county, NM

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

This comparison table is applicable to these zip codes: 87002

Conventional and FHA Loan Choices in Los-Chaves, NM

Lendersa® is committed to finding you the optimal Conventional, USDA, or FHA loan swiftly and effortlessly. Start from one of three strategic points to find lenders and loan arrangements that match your needs.

Results for Lendersa USDA loan requests and matches


Los-Chaves Lenders

  • RPM Lending
  • 526 Sun Ranch Village Loop, Los Lunas, NM, 87031
  • Lends in New Mexico
  • We are one of the only few locally owned mortgage brokers in New Mexico. We are passionate over our clients, to us, it’s more than just buying a house, it’s a home, where lasting memories will be made. Our goal and motto is to turn our clients into friends and neighbors with our service, care and expertise.

  • New Mexico Bank & Trust
  • 320 Gold Ave SW, Suite 100, Albuquerque, NM, 87102
  • Lends in New Mexico
  • We offer our employees unlimited opportunities for career development, growth and the ability to contribute to the vitality of your community. Our clients choose to bank with us because of our robust product offerings, high-touch service, and commitment and impact in our communities.

  • R.E.P. Financial LLC
  • 6001 Menaul Blvd NE #1216, Albuquerque, NM, 87110
  • Lends in New Mexico
  • ## Unlocking Your Real Estate Potential with R.E.P. Financial LLC

    ### Tailored Financial Solutions
    At R.E.P. Financial LLC, we specialize in crafting bespoke financial strategies, unlocking doors to your real estate dreams.

    ### Your Real Estate "Key Master"
    With personalized solutions and dedicated support, Denise Webster and her expert te

  • Main Bank
  • 7300 Menaul Blvd NE, Albuquerque, NM, 87110
  • Lends in New Mexico
  • Main Bank has a long history of serving Albuquerque’s personal and business banking needs. Originally chartered in 1975 as Plaza Del Sol National Bank, the bank has undergone a series of changes. In 1995, the bank was sold, became a state chartered bank called Interamerica Bank and moved to 2424 Louisiana Blvd., NE in Albuquerque.

  • Accurate Mortgage
  • 6605 Uptown Boulevard Northeast, Suite 260, Albuquerque, NM, 87110
  • Lends in New Mexico
  • Accurate Mortgage will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify.

  • New Mexico Mortgage Company
  • 6303 Indian School Road NE, Suite 104, Albuquerque, NM, 87110
  • Lends in New Mexico
  • The New Mexico Mortgage Company Team is your premier mortgage team located in New Mexico. We pride ourselves on offering a variety of programs and competitive rates and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the state of New Mexico.

  • High Desert Home Lending
  • 6417 Pojoaque Dr, Albuquerque, NM, 87120
  • Lends in New Mexico
  • High Desert Home Lending, LLC is a brokerage firm serving the Southwest from our Albuquerque, New Mexico office. We are locally owned and operated and specialize in residential mortgage lending. We are proud to offer personal service. We focus on understanding your needs and goals to create a loan program that fits you perfectly.

  • Premier Mortgage Advisors LLC
  • 6330 Riverside Plaza Lane Northwest, Suite 175, Albuquerque, NM, 87120
  • Lends in New Mexico
  • Premier Choice Mortgage is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. We see people such as yourself being so enthused with the process and service we provide that you will become a raving fan for us, telling stories to people of what you just experienced.

  • NewCastle Mortgage
  • 6260 Riverside Plaza Ln NW, Albuquerque, NM, 87120
  • Lends in New Mexico
  • 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.