FHA VS Conventional loan programs in Shiprock, San Juan County, New Mexico

For 2026, the Conventional loan limit in Shiprock, San Juan county, NM, is $726,200, whereas the FHA limit for a single-family home is set at $472,030.

Leverage the Lendersa® Conventional loan calculator to compare current Conventional, FHA, and USDA rates. This tool helps you understand the income, credit, savings, and necessary documents required for qualification. By viewing Conforming Conventional, USDA, FHA, and VA loans side-by-side, you can determine which program best suits your financial needs in NM.

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The 2026 Loan Limits and Downpayment Requirements in Shiprock, San Juan county, NM

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

This table is applicable for zip codes: 87420

Explore Conventional and FHA Loan Options in Shiprock, NM

At Lendersa®, we strive to swiftly secure the best Conventional, USDA, or FHA loan for you with minimal hassle. Begin your journey with one of the three suggested routes to find the perfect match in lenders and programs.

Results from Lendersa USDA loan requests and matches


Shiprock Lenders

  • Four Corners Community Bank
  • 500 West Main Street, Farmington, NM, 87401
  • Lends in New Mexico
  • Four Corners Community Bank (FCCB) serves San Juan County in New Mexico, and Montezuma and La Plata counties in Colorado. Since 2000, the bank has focused on providing safe, sound, and local services within each community it is located. Each of its seven locations is a full-service financial institution, offering complete personal

  • Major Mortgage
  • 5600 Mickey Dr, Suite D, Farmington, NM, 87402
  • Lends in New Mexico
  • Here at Major Mortgage We are your Local Mortgage Lender and we strive daily to be a one stop shop for you by providing Processing, Underwriting and Closing all under the same roof. Our team of licensed experts have a combined 40 years of experience and extensive knowledge and understanding of loans and how they work.

  • High Desert Community Credit Union
  • 321 S Main Street, Aztec, NM, 87410
  • Lends in New Mexico
  • Our Mission Statement is to promote thrift among it’s Members and to create a source of Credit that is easily accessible by the Membership. High Desert Community Credit Union is a member of NCUA. They insure your deposits just as the FDIC does for banks. We moved into our new location at 321 S. Main in Aztec, NM on May 17, 2019.

  • Key Mortgage Group, Inc
  • 109 W Chaco St, Aztec, NM, 87410
  • Lends in New Mexico
  • Key Mortgage Group Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • Catalyst Lending of New Mexico
  • 1005 21st St SE, Suite 9, Rio Rancho, NM, 87124
  • Lends in New Mexico
  • A bit about us, so you'll feel more at home working with our team. Getting a home loan is an exciting (and sometimes overwhelming) time in your life. We are proud to work with you as an integral part of these moments. Regardless of your unique needs we bring all the right elements together to create a positive solution for your home loan

  • Los Alamos Schools Credit Union
  • 1010 Central Avenue, Los Alamos, NM, 87544
  • Lends in New Mexico
  • As a non-profit financial cooperative, our mission is to excel at providing high quality, member-focused services in a professional and friendly manner, and to continue to support and encourage our members to achieve their financial goals. Chartered in 1955, Los Alamos Schools Credit Union has been providing high-quality.