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

In the year 2026, the Conventional loan limit in Montgomery, within the jurisdiction of Orange, NY, is established at $726,525. Concurrently, the FHA limit for a single-family dwelling is set at $472,030, accommodating the housing needs in this area.

Employ the Lendersa® Conventional loan calculator to effectively compare today's highest available rates among Conventional, FHA, and USDA loans. This tool enables you to determine the necessary income, credit, reserves, and documents required for securing approval. With our sophisticated mortgage calculator, you can juxtapose Conforming Conventional loans alongside USDA, FHA, and VA loans to assist in making an informed decision about which loan package is most apt for your particular financial situation in NY.

Exploring Conventional and FHA Loan Opportunities in Montgomery, NY

The primary objective of Lendersa® is to swiftly connect you with superior loan opportunities, whether Conventional, USDA, or FHA, in a seamless manner. Explore three unique pathways, each designed to align you with the best-fitting lenders and loan programs available today.

Loan Type	Maximum Loan Limit	Minimum Downpayment
Conventional Conforming	$726,525	3%
USDA	$581,200	0%
FHA	$472,030	3.5%

Results and requests for USDA loans with Lendersa

Montgomery Lenders
(845) 457-7700 Lender's profile and map Walden Savings Bank 15 Scott's Corners Drive, Montgomery, NY, 12549 Lends in New York Walden Savings Bank is the 11th oldest federally chartered mutual savings bank in the United States and while some banks may come and go, Walden Savings Bank has been here for nearly 150 years. With 11 convenient branch locations throughout the Hudson Valley, including our Dutchess County Lending office
(845) 928-2845 Lender's profile and map Superior Mortgage Co., Inc. 578 Route 32, Highland Mills, NY, 10930 Lends in New York Superior Mortgage Co., we specialize in residential and commercial loans. This is all we do so you can count on us to provide the best products and services available. Whether you are purchasing or refinancing or you need a home equity loan, even if you have credit problems, we can help you.When you call Superior Mortgage you work directly with us.
(845) 463-3011 Lender's profile and map Hudson Valley Credit Union PO Box 1071, Poughkeepsie, NY, 12602 Lends in New York Today, Hudson Valley Credit Union is a full service not-for-profit financial cooperative, 300, 000+ members strong. We extend membership to our neighbors who live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties.
(845) 774-0831 Lender's profile and map O&R Utilities Employees Federal Credit Union 14 Talmadge Court, Monroe, NY, 10950 Lends in New York On September 9, 1980 a small group of O&R Utilities Employees chartered the credit union. It was formed for the purpose of creating a place where employees could save and borrow safely, confidentially and at fair rates of interest. Our current location is at 14 Talmadge Court in Monroe, NY
(845) 233-6577 Lender's profile and map Astar Home Capital Inc 48 Bakertown Road, Suite 204, Monroe, NY, 10950 Lends in New York Astar Home Capital, your best interest is our only goal. Putting this mindset into action, we focus on educating you as a customer, explaining the details and advantages of all the different options. Staying constantly in touch, our brokers go above and beyond, leaning on their years of experience, knowledge, and creativity to secure loans.
(845) 781-2400 Lender's profile and map Capital M Inc. 48 Bakertown Rd, Suite 303, Monroe, NY, 10950 Lends in New York Capital M believes that the success of the mortgage depends on a smooth and efficient system. From origination until closing and beyond, The M Method is designed to take the confusion, headache, and uncertainty out of the equation.Mayer Gross and his team, has been helping people secure low-rate mortgages for more than 23 years.
(845) 419-8000 Lender's profile and map THE MINT CAPITAL INC 24 Gilbert St Extension, Monroe, NY, 10950 Lends in New York At Mint Capital, we’ll help you get approved for your dream home. Show us the home you would like to purchase and we’ll advise you on the best options to make it yours. Our team has an unmatched, deep understanding of the mortgage application process and the strongest selection of loan options that other brokers aren’t aware of or cannot access.
(845) 452-7323 Lender's profile and map TEG Federal Credit Union 1 Commerce Street, Poughkeepsie, NY, 12603 Lends in New York TEG Federal Credit Union is a local, member-owned, not-for-profit, full-service community financial institution open to all those who live, work, worship or attend school in Dutchess, Orange, Ulster, Sullivan, Putnam, Rockland and Westchester County in New York. Since 1969, TEG has been a steady source of financial services to its members.
(845) 987-1969 Lender's profile and map Synergy Mortgage 41 South Street, Suite A, Warwick, NY, 10990 Lends in New York Our mission is to provide our clients sound advice together with true value. We also put a lot of emphasis on keeping our clients informed throughout the process, connecting you to a team of people to handle your file (you won't be bounced all over, repeating the same things again and again). It's actually going to be an enjoyable.