FHA VS Conventional loan programs in 2025 for Gardiner, Ulster County, New York

In 2025, Convetional loan limit in Gardiner, county of Ulster, NY is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in NY is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Gardiner, county of Ulster, NY

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

The comparison table applies to zip codes: 12589, 12561, 12525

Conventional and FHA loan options in Gardiner, NY

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Fidelity Bancorp Funding
  • 1551 N. Tustin Ave, Suite 700, Santa Ana, CA, 92705
  • We understand the challenges you face in differentiating between various lending options and utilizing them the best way to achieve your goals. We simplify the process. We guide you confidently through the process and close your loan smoothly – protecting you from common pitfalls. Whether it’s doing our utmost to exceed your expectations, or keepi
  • JMAC
  • 2510 Red Hill Ave., Santa Ana, CA, 92705
  • From the beginning, JMAC Lending was built differently, on the simple premise that our clients deserve better. Our goal is to deliver unique and innovative products, exceptional client service and support, superior pricing, and a dedication to helping our partners grow business.
  • Fidelity Bancorp Funding
  • 1551 N. Tustin Ave. Ste 700, Santa Ana, CA, 92705
  • Our focus is on serving your needs. Our efficient process is driven by great people who understand our need to strive for excellent service to lead in our marketplace consistently. At Fidelity Bancorp Funding, we research all your funding options for you so you can relax knowing you’ll have the support you need.
  • Robert Castro
  • 2651 E Chapman Ave, Suite 215C, Fullerton, CA, 92831
  • Our mission at Southern Cal Funding is to make applying for a home loan as painless and smooth a process as possible. We work with many wholesale banks that offer extremely competitive programs whether your a 1st Time Buyer, an Investor, or just selling and buying your next home!
  • Lock Rate Mortgage LLC
  • 1020 South Raymond Avenue, Suite A, Fullerton, CA, 92831
  • Lock Rate is a California based Mortgage company dedicated to servings Californian’s home financing needs. We believe that shopping for the best mortgage should be easy, transparent and flexible and also Lock Rate is a California based Mortgage company dedicated to servings Californian’s home financing needs.
  • Fullerton Community Lending
  • 1440 North Harbor Boulevard, Suite 900, Fullerton, CA, 92831
  • Fullerton Community Lending is a Mortgage Broker located in the City of Fullerton. We have 13 year experience and with home purchases,refinances, investments and commercial loans. We offer FHA, Conv, and Jumbo at competitive interest rate. Broker located in the City of Fullerton. We have 13 year experience and with home purchases,refinances,
  • Shaner Brokerage Corporation
  • 2495 East Orangethorpe Avenue, Suite 110, Fullerton, CA, 92831
  • Shaner Brokerage Corporation is a referral-based, boutique brokerage firm, providing top-notch service to residential buyers and sellers in Southern California. We take a friendly, professional approach to real estate that exceeds client expectations time after time. Our experienced team is well-versed in all aspects of real estate & lending.
  • Simplify Direct, Inc.
  • 2601 East Chapman Avenue, Suite 212, Fullerton, CA, 92831
  • Simplify Direct, Inc goal is to achieve your mortgage needs by mimimizing the red tape through our automated process. You will work directly with a single point of contact from begining to end. Our seasoned mortgage specialist will help you get the perfect mortgage that fits your needs.
  • Rosemont Mortgage
  • 2465 E. Orangethorpe Ave, Fullerton, CA, 92831
  • Here at Rosemont Mortgage we put you first! Our warm, friendly and knowledgeable staff are all geared to be problem solvers. Whether it is finding the most aggressive rate for your purchase or refinance or looking for the right help after being let down by another lender we can and will help.
  • Carrington Mortgage
  • 1600 South Douglass Road, Suite 110 & 200-A, Anaheim, CA, 92806
  • Carrington Mortgage Services, LLC ( “Carrington”) (NMLS ID #2600) is a national direct to consumer and wholesale lender. Our retail home lending division has community-based branches assisting borrowers with home financing opportunities and local real estate agents with their buyer clients.
  • Momenta Capital Group Inc.
  • 2099 S State College Blvd, Anaheim, CA, 92806
  • Momenta Capital Group Inc. is committed to working closely with our clients on their journey to build and preserve generational wealth by providing unmatched service and timely execution. MCG’s client relationships have been built through trust, loyalty, and dedication to each client’s short and long-term objectives.
  • Intelty, Inc.
  • 3100 E. Miraloma Ave, Suite 220, Anaheim, CA, 92806
  • Intelty Inc we will find the loan that is perfect for YOU! When it comes to buying a home, one of the most important factors is finding the financing that best fits your specific goals so our mortgage professionals will give you the personal service you deserve. Get started by requesting a free personalized rate quote.