FHA VS Conventional loan programs in Montauk, Suffolk County, New York
For 2026, the Conventional loan limit in Montauk, located in Suffolk county, NY, is set at $1,089,300, while for a single-family home, the FHA limit is $1,089,300.
Make use of the Lendersa® Conventional loan calculator to compare today's leading rates across Conventional, FHA, and USDA loans. Find out the required income, credit score, reserves, and documents necessary for qualification. Our advanced mortgage calculator lets you place Conforming Conventional, USDA, FHA, and VA loans side by side, helping you determine the best program for your financial circumstances in NY.
Loan Limits and Down Payment Requirements for 2026 in Montauk, Suffolk County, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$1,089,300
3%
USDA
$776,600
0%
FHA
$1,089,300
3.5%
This table applies to the zip codes: 11954
Options for Conventional and FHA Loans in Montauk, NY
At Lendersa®, we strive to secure the best possible Conventional, USDA, or FHA loans with speed and ease. Choose from one of three starting points that guide you to matching lenders and suitable loan programs.
4141 Inland Empire Blvd. Suite 160, Ontario, CA, 91746
Pacific lending mortgage lender with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Veronica Barragan have been in the Mortgage Industry for the past 23 years and have enjoyed every minute of it. I started as a “Temp Girl” for a small Mortgage Banker in Visalia in 1988 and held the receptionist position. I eventually went on to the positions of: Doc drawer, shipper, loan processor and Loan Officer.
2305 Historic Decatur, Suite 100, San Diego, CA, 92106
Merchants Home Lending opened to serve the active and retired military personnel in the State of California. With 50 combined years of experience, Merchants has assisted over 1800 military families purchase a home. Merchants is a proud sponsor of the Wounded Warriors Project and USO.
Gail Faber, an award-winning, NMLS licensed mortgage agent and has more than 18 years’ experience in the industry. She exceeds client expectation by providing excellent customer service. Her strong background in escrow and processing makes her unique as she can provide a faster, more efficient, and easier approval process for her clients.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
2468 Historic Decatur Road, Suite 160, San Diego, CA, 92106
"For over 35 years, San Diego Funding has remained one of San Diego’s most respected and trusted mortgage lenders, serving the lending needs of homebuyers, real estate professionals, and builders.
San Diego Funding is a full-service mortgage lender with access to a wide array of loan products to meet every situation. "
Since 1956, El Monte Community Credit Union has had a long-standing history of helping members reach their financial dreams. We were originally chartered by a group of city employees as El Monte City Employees Credit Union. Our first office was a city workers garage. If you needed a loan back in those days your name was put on a loan wait list.
