FHA VS Conventional loan programs in 2026 for Fernley, Lyon County, Nevada

In the year 2026, the conventional loan limit for Fernley, situated in Lyon county, NV, is $726,200. Meanwhile, for a single-family dwelling, the FHA limit is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare today's top rates between Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents you need to qualify. Our advanced calculator enables you to see Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in choosing the most suitable program for your financial situation in NV.

Consider loan offers from a broad range of 100 lenders

Loan Limits and Down Payment Requirements in Fernley, Lyon County, NV, 2026

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

This table applies to these zip codes: 89408

Examining Conventional and FHA Loan Options in Fernley, NV

Our goal at Lendersa® is to help you secure the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose one of three starting points to meet lenders and loan programs that match your needs.

Explore results from Lendersa's USDA loan requests


Fernley Lenders

  • Monarch Mortgage
  • 2435 Pyramid Way, Suite A, Sparks, NV, 89431
  • Lends in Nevada
  • Monarch Mortgage rates are at an all time low, so if you are considering buying a new home, or refinancing - now is the time and Your more than just a number at Monarch Mortgage - get the personal attention you deserve and also Mortgage Products FHA, VA, CONVENTIONAL, JUMBO and USDA

  • Integrity Business Solutions
  • 10110 Canyon Country Rd, Reno, NV, 89521
  • Lends in Nevada
  • To help individuals and companies reach their goals by providing services that meet their needs. This will be done by creating win - win situations that promote integrity. We value character and experience and believe that everyone is capable of contributing to the value proposition.

  • Heritage Bank of Nevada
  • 2330 South Virginia Street, Reno, NV, 89502
  • Lends in Nevada
  • Heritage Bank of Nevada was founded in 1995, in Northern Nevada. Today, we have seven branches focusing on the Northern Nevada area located in Reno, Spanish Springs, Carson City and Carson Valley. Our goal has always been to our community's finest small and mid-sized business bank, and our focus has led to success and profitability.

  • Victory Nevada Mortgage LLC
  • 5250 South Virginia St, Suite 360, Reno, NV, 89502
  • Lends in Nevada
  • Our goal is to deliver the very best mortgage options possible for your specific requirements... no matter the circumstances.
    To learn more, click on the links to the left. and We are committed to maintaining an effective and efficient organization that is open and responsive to the needs.

  • US Financial, LLC - Mark Lamerdin
  • 1325 Airmotive Way, Suite 175-D, Reno, NV, 89502
  • Lends in Nevada
  • US Financial is located in Reno, Nevada & has built a strong reputation as an outstanding mortgage company, serving the lending needs of real estate professionals, home builders and helping individuals and families achieve the dream of home ownership throughout Nevada. We understand you have a choice and we want to be your first choice every time.

  • Utter Mortgage Company
  • 115 West Plumb Lane, Suite 201, Reno, NV, 89509
  • Lends in Nevada
  • Utter Mortgage Company is a Nevada-based mortgage company specializing in the long-term financing of commercial real estate projects located in Nevada and the adjacent areas of California. Utter Mortgage Company has placed long-term loans on shopping centers, office buildings, warehouses, mini-­warehouses, medical buildings, strip centers.

  • In1Spot Lending LLC
  • 3500 Lakeside Court, Suite 170, Reno, NV, 89509
  • Lends in Nevada
  • Working with a mortgage broker gives you options and saves you money. We have numerous sources for investors so finding the best loan with the most affordable terms is exactly what we do! We also have access to mortgage loan products that banks and other lending institutions don't normally offer.

  • Mortgage Professionals Group, INC.
  • 6774 S McCarran Blvd, Suite 102, Reno, NV, 89509
  • Lends in Nevada
  • Whether this is a first home, investment property, an upgrade you’re looking to do, or perhaps refinance the home you already own and love, our professionals will guide you through the process and find the best loan that fits your lifestyle. We make it easy to understand and ensure that our number one priority is taking care of you!

  • Wholesale Mortgage Services
  • 6880 S. McCarran Blvd, Suite 6, Reno, NV, 89509
  • Lends in Nevada
  • "We know that each Nevada mortgage customer has specific needs,
    so we strive to meet those needs with a wide array of mortgage products for Nevada homeowners and home buyers. The Wholesale Mortgage Services team and lenders takes pride in our outstanding customer service and individual attention.

  • Design Financial
  • 6119 Ridgeview Court, Suite 500, Reno, NV, 89519
  • Lends in Nevada
  • The Design Financial team is committed to providing our clients with the highest quality financial services combined with the lowest rates available. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.