FHA VS Conventional loan programs in Lloyd-Harbor, Suffolk County, New York

In 2026, the Conventional loan limit in Lloyd-Harbor, county of Suffolk, NY, is $970,800, while the FHA limit for a single-family home is $970,800.

Utilize the Lendersa® Conventional loan calculator to review and compare today's top rates among Conventional, FHA, and USDA loans. It assists in determining the necessary income, credit reserves, and documentation needed for qualification. With our advanced mortgage calculator, assess Conforming Conventional loans alongside USDA, FHA, and VA options to find which program in NY is best for your financial situation.

Explore loan offers from 100 different lenders

Loan Limits and Down Payment Requirements for 2026 in Lloyd-Harbor, Suffolk County, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

The comparison table applies to zip codes: 11743

Explore Conventional and FHA Loan Options in Lloyd-Harbor, NY

The goal of Lendersa® is to secure the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose from three starting points that connect you with matching lenders and loan programs.

Results from Lendersa USDA loan requests and matches


Lloyd-Harbor Lenders

  • Mortgage Cube
  • 63 Youngs Hill Road, Huntington, NY, 11743
  • Lends in New York
  • Mortgage Cube makes sure we are in good compliance with banking departments Gabriel Ciccone, the owner of Mortgage Cube's secret is technology, knowledge, consulting with one client at a time and knowing market trends long before it became trendy. This has given our company an advantage over our competition.

  • JMK Financial Group, Inc.
  • 23 Green St, Suite 209, Huntington, NY, 11743
  • Lends in New York
  • JMK Financial is an independent, boutique mortgage company dedicated to providing custom and comprehensive service to our broad range of clients. We offer a wide variety of loan products to meet every need, from first-time home loans and mortgage refinancing to construction lending and reverse mortgages.

  • ION Capital Solutions
  • 30 Lakeside Drive, NY, NY, 11721
  • Lends in New York
  • Ion Capital Solutions is here to help when the banks say no! We can provide funding options for Real Estate Investors, Wholesalers, and Business Owners. We offer only the most competitive interest rates and terms available through our Nationwide Lender Network, and we offer virtually every alternative solution in the marketplace.

  • JMS Global Group
  • 290 Broadhollow Rd, Melville, NY, 11747
  • Lends in New York
  • For 1-4 Unit Investment Properties/ bridge loans , Hotel , International, Purchase refinance , all 50 states and international .Flexible Loan Terms, Underwriting in house , Loans Designed to close quickly on real estate purchases or to leverage equity on owned RE. Real Estate Bridge Loans.
    JMS Global is the choice of top REIs across the country,

  • All Access Financial
  • 576 Broadhollow Rd, Melville, NY, 11747
  • Lends in New York
  • All Access Financial is a true financial marketplace offering working capital loans. We provide all types of financial options when it comes to your business, such as Working Capital Loans, Business Term Loans, Merchant Cash Advances, Lines of Credit, Equipment Financing, Commercial and Residential Loans, and SBA Loans. We understand that every bus

  • Mortgage Advantage
  • 201 Old Country Road, Suite 200, Melville, NY, 11747
  • Lends in New York
  • Mortgage Advantage, a member of the Advantage Group, is a leading mortgage brokerage committed to delivering personalized mortgage solutions. Formed in 1996 and headquartered in Melville, NY, Mortgage Advantage is licensed to originate loans in New York, New Jersey, Connecticut and Florida.

  • United Mortgage Corp
  • 25 Melville Park Road, Suite 110, Melville, NY, 11747
  • Lends in New York
  • United Mortgages Corp’s only business is mortgages. Unlike a commercial bank, we are not limited to one or two standard programs. As a mortgage banker, we have many market sources to offer our clients. We know that each customer has a special set of circumstances and our specialty is identifying the right type of loan that meets your needs.

  • Reliance First Capital, LLC
  • 201 Old Country Road, Melville, NY, 11747
  • Lends in New York
  • At Reliance First Capital our goal is to help homeowners and prospective homeowners receive the right mortgage for their specific financial goals. We achieve this by customizing home loan programs that match each of our client's unique needs and situation. We are an approved FHA, VA, Fannie Mae and Freddie Mac lender.

  • United Faith Mortgage
  • 25 Melville Park Road, Suite 100, Melville, NY, 11747
  • Lends in New York
  • "We are a Faith Focused Mortgage Team. Serving clients across the United States. And helping families with arguably the most important purchase of their life.

    What’s special here though… is that we’ve gotten to put together a team with Christian values, faith & family at our core."