FHA VS Conventional loan programs in 2025 for Rio-Rancho, Sandoval County, New Mexico

In 2025, the current limit for a Conventional loan in Rio-Rancho, located in the county of Sandoval, NM, is $647,200. Meanwhile, the FHA limit for a single-family home is $420,680, enabling prospective buyers to understand their financing options more clearly.

Utilize the Lendersa® Conventional loan calculator to thoroughly compare today's best rates between Conventional, FHA, and USDA options. It identifies the necessary income, credit score, reserves, and paperwork needed to qualify. With our advanced mortgage calculator, you can evaluate Conforming Conventional, USDA, FHA, and VA loans side-by-side, assisting you in selecting the ideal program that fits your financial requirements in NM.

Review offers from 100 different lenders

Insight into 2025 Loan Limits and Down Payment Requirements in Rio-Rancho, Sandoval, NM

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

The comparison pertains to zip codes: 87124, 87121, 87144, 87174

Exploring Conventional and FHA Loan Choices in Rio-Rancho, NM

The aim of Lendersa® is to efficiently connect you with the top options for Conventional, USDA, or FHA loans without any hassle. Choose one of three starting points that guide you to matching lenders and loan programs customized to meet your needs.

Results from Lendersa USDA loan request


  • All-Star Mortgages, LLC
  • 207 Shelton Beach Rd, Suite F, Saraland, AL, 36571
  • All-Star Mortgages is your #1 mortgage broker company in Saraland, AL, serving North Mobile & surrounding areas. All-Star Mortgages will provide you with fast, quality service to help you finance your next home. We are a fast & reliable mortgage company that can help assist you with your next home purchase.
  • Blue Giant Finance LLC
  • 1629 N LINDER AVE, Chicago, IL, 60639
  • Blue Giant Finance LLC is a private base lending company. Established in 2022, we provide short-term fix & flip financing and long-term rental financing for real estate investors. Blue Giant Finance Llc wants to connect with investors, business individuals, and real estate agents who can benefit from our funding.
  • The Federal Savings Bank
  • 4120 W Diversey Ave, Suite C501, Chicago, IL, 60639
  • Federal Savings Bank is veteran - owned bank, with a focus on VA and FHA lending for active duty and retired military and first time home buyers. We believe we offer the Perfect Mortgage Experience, which is our unique combination of outstanding customer service, low mortgage rates, and fast closings.
  • The Mortgage Guy
  • 100 north main st, Goodlettsville, TN, 37072
  • The Mortgage Guy, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Community State Bank
  • 224 W Main St, Brook, IN, 47922
  • We are a community owned and operated bank that has served Brook and the surrounding communities for over 85 years. Visit our page often for community news and discussion as well as important bank announcements.Facebook page. We are a community owned and operated bank that has served Brook and the surrounding communities for over 85 years.
  • Reliant Bank
  • 1736 Carothers Parkway, Suite 100, Brentwood, TN, 37027
  • We’re Reliant Bank, a community bank that was built from the ground up on the idea that customer and community should always come first. We do pretty much everything the big banks do. We just do it a little differently – okay, a lot differently. We treat you with respect. And go out of our way to make sure that your banking experience with us.
  • New Castle Mortgage - Reverse
  • 5115 Maryland Way, Suite 67, Brentwood, TN, 37027
  • New Castle Mortgage is a major producer of Reverse Mortgage loans in Tennessee, owned & operated by Tennesseans, purely specializing in Reverse Mortgages. As a consumer you can be certain we are credible, qualified, & experienced.Mike Holton and Catherine Holton, each have over 20 years’ experience originating FHA loans throughout the state of TN.
  • P3 Home Loans
  • 5115 Maryland Way, Suite 124, Brentwood, TN, 37027
  • P3 Home Loans serves all of Tennessee, making sure to save local home owners money and time. Rod Freeman is the voice of P3 Home Loans and has managed the success of hundreds of clients’ mortgage closings. When it comes to getting the lowest rate and the quickest mortgage approval, you can depend on our mortgage professionals.
  • Meridian Capital Group
  • 5115 Maryland Way, Brentwood, TN, 37027
  • "MCL Private Lending is a direct private money lender that was established to provide time sensitive, creative, short term financing to builders, developers, and real estate investors. MCL Private Lending is Nashville’s leading direct, private money lender. Based in Brentwood, Tennessee,