Conventional Loans Vs FHA in Clay, NY [in 2026]

In 2026, the conventional loan limit for Clay in Onondaga County, NY, is $726,200, while for a single-family home, the FHA limit is $472,030.

Use the Lendersa® Conventional loan calculator to compare the top rates today between Conventional, FHA, and USDA loans. Assess the necessary income, credit, reserves, and documents needed for qualification. This advanced tool sets Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the right program for your financial landscape in NY.

Conventional and FHA Loan Choices in Clay, NY

Lendersa® aims to connect you with the best Conventional, USDA, or FHA loan effortlessly. Choose from one of three starting points to find matching lenders and loan programs.

See USDA loan request results with Lendersa

(253) 240-1982 Lender's profile and map Reviews Emerald Pacific Capital LLC 535 Dock Street, Suite 111, Tacoma, WA, 98402 Emerald Pacific Capital LLC was created to be different. When we started this company our vision was to create a company that would be able to help our clients win in life and finances. Our desire is to be unique in the way we provide opportunities for our clients to improve their financial situation through mortgages.
(760) 427-3610 Lender's profile and map Reviews American Group 1074 E. Cole Rd, Suite 14, Calexico, CA, 92231 American Group Realtors has been open for business since 1997. Its professional team of licensed real estate agents, bilingual staff and broker/president, Manny Hernandez, are ready to serve the community at large who is looking to buy or sell in a challenging residential & commercial real estate market,
(253) 327-1177 Lender's profile and map Reviews Penny Lane Financial 1804 W Union Ave, Suite 202, Tacoma, WA, 98405 Penny Lane Financial 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 in consulting with you to obtain the best loan possible for your personal unique needs. We provide top-tier quality rates from a wide range of A-rated lenders.
(253) 584-2260 Lender's profile and map Reviews Harborstone Credit Union 4720 Center St, Tacoma, WA, 98409 Harborstone Credit Union has branch locations in King, Pierce, and Thurston counties to serve our members. Which means we're big enough to offer a wide variety of products and services yet small enough to offer a pleasant and personable atmosphere. When you join Harborstone, you become a part owner of our not-for-profit organization.
(360) 779-4567 Lender's profile and map Reviews Liberty Bank 19917 7th Avenue Northeast, Suite 101, Poulsbo, WA, 98370 Liberty Bank is a forward-thinking, customer-centric community bank committed to providing the best banking service and customer satisfaction in the Puget Sound Region. We are locally minded, civically engaged, and have an abiding appreciation for the communities we serve. Our outstanding employees work with diligence
(760) 408-6565 Lender's profile and map Reviews Premier Realty Group Inc 83135 Requa Ave, Suite 3, Indio, CA, 92201 Lorenzo Rivera has over 14 years of experience in the Real Estate market. He is a licensed Realtor and Mortgage Originator, with experience that spans across the state of California. Lorenzo strives to build a meaningful relationship with every client, ensuring that everyone has a pleasant experience throughout the buying or selling process.
(888) 779-6500 Lender's profile and map Reviews American First Lending Corp 450 Port Orchard Blvd, Suite 220, Port Orchard, WA, 98366 American First Lending Corporation is a direct lender focused on superior execution and customer satisfaction. We pride ourselves in providing our clients with superior service while maintaining the highest standard of professional integrity in the ever changing residential lending landscape.
(760) 337-4200 Lender's profile and map Reviews Sun Community Federal Credit Union 1068 Broadway, El Centro, CA, 92243 Sun Community Federal Credit Union was organized on March 9, 1954, as the Imperial Valley U.S. Employees Federal Credit Union, with ten charter members. Over the years, the field of membership was enlarged. In January 1968, the name was changed to Government Agencies Federal Credit Union.
(760) 352-1540 Lender's profile and map Reviews First Imperial Credit Union. 1602 W Main St, El Centro, CA, 92243 First Imperial Credit Union is a credit union located in Imperial County, California who has a mission to deliver quality, affordable financial services with an exceptional member-focused experience. As a not-for-profit financial instituion, FICU gives back to its membership in the way of lower loan rates
(760) 370-0042 Lender's profile and map Reviews IV Alliance Mortgage & Real Estate 395 Broadway Avenue, Suite 5, El Centro, CA, 92243 IV Alliance Mortgage and real Estate our team of professionals will make it easy for you to apply for a loan. Give us a call and speak with one of our representatives. Within a day or two, we’ll be able to give you personalized rate information and a solution tailored to your specific needs.
(760) 352-7000 Lender's profile and map Reviews Mr. Mortgage INC 1596 S Imperial Ave, El Centro, CA, 92243 Mr. Mortgage INC is guided by our adherence to the important values and unique features we offer clients. They are essential, considered to be the DNA of our company. We are trained professionals who take responsibility for delivering excellence as individuals and as team. We focus solely on client’s satisfaction and first impression.
(541) 323-7000 Lender's profile and map Reviews 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.