Explore the differences! FHA VS Conventional loan programs in North-Bay-Shore, Suffolk County, New York

In 2025, Convetional loan limit in North-Bay-Shore, county of Suffolk, NY is $970,800 while FHA limit is $970,800 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in North-Bay-Shore, county of Suffolk, 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: 11706

Conventional and FHA loan options in North-Bay-Shore, 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


  • Home America Lending Corp.
  • 20 Oak Street, Patchogue, NY, 11772
  • MCS Mortgage Bankers is a mortgage bank with operations in twenty-six states. MCS Mortgage Bankers offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, FHA 203(k), VA, USDA and reverse mortgages. MCS Mortgage Bankers is a FREEandCLEAR Certified Bronze Low Rate Lender.
  • Asean Capital
  • 116 E Main St, Suite C, Patchogue, NY, 11772
  • ASEAN CAPITAL, INC. was started in 1998 by Dula Amarasinghe, a 30 year veteran of International Banking Industry. During his tenure with Manufacturers Hanover Trust Company, now JP Morgan Chase Bank, he was the Team Leader handling the business of Sri Lanka, Thailand, Philippines, Pakistan and Nepal desks.
  • NY TEAM Federal Credit Union
  • 65 Broadway, Hicksville, NY, 11801
  • NY TEAM Federal Credit Union is a full-service, federally insured credit union. With 3 conveniently located offices, we provide a variety of financial services, and we’ve been doing it since 1969! Created by rail road employees for rail road employees and their families. If you are not currently a member, you may want to browse our site
  • USN MORTGAGE INC
  • 245 S BROADWAY, Hicksville, NY, 11801
  • We are a Mortgage Brokerage Firm doing buisness in NY, NJ, FL & CT. Sean Basit, Founder & CEO has over 20 years experience in Real Esate & Mortgages.USN Mortgage Inc offers various types of loan programs through many approved lenders such as but not limited to FHA,VA, Reverse Mortgages,Conventional Loans,High Balnce Loans, Jumbo & Super Jumbo Loans
  • Mortgage Professionals Corp
  • 12 Merrick Avenue, Merrick, NY, 11566
  • Our Company, Mortgage Professionals Corp. was started in 1991 and over the years, we have helped thousands of clients to obtain a mortgage both on purchases as well as refinances. Since we are Mortgage Brokers we have a database of several lenders, Bankers, Investors and private lenders and we cater in helping all types of clients.
  • Nassau Financial Federal Credit Union
  • 2575 Hempstead Turnpike, Suite 300, East Meadow, NY, 11554
  • We offer a full suite of retail banking products, services and financial solutions for consumers and small businesses. On a monthly basis, our members rate us with high marks for the service we provide to them in meeting their banking needs We encourage you to learn more about our Credit Union and see how we can help improve your financial well-bei
  • Hartford Funding Ltd
  • 400 Jericho Turnpike, Suite 322, Jericho, NY, 11753
  • Hartford Funding Ltd. is a DIRECT LENDER. It’s simple – we approve your mortgage. No middle man. No extra fees. No hidden costs. No confusion. Hartford Funding has always been a champion of honesty and integrity, we believe the more you know, the more you’ll appreciate the services we provide.
  • Commercial Lender Link
  • 640 Belle Terre Road. Building D, Port Jefferson, NY, 11777
  • Our team members are experienced commercial real estate professionals from the investor and banking community. For more information about us call 631-828-4404. We work hard to exceed expectations in order to satisfy our borrowers’ needs We have no upfront fees to our borrowers, investors or affiliates. We are success fee driven. No success. N
  • Lynx Mortgage Bank LLC
  • 143 Post Avenue, Westbury, NY, 11590
  • Lynx Mortgage Bank LLC was founded by a small group of mortgage and financial professionals on Long Island, NY with one goal in mind: to offer our customers a straightforward “no surprises” approach to the home buying process.Today, we are one of New York’s premier mortgage companies with a sizable client base who won’t hesitate to recommend us.
  • New York Community Bank
  • 615 Merrick Ave, Westbury, NY, 11590
  • New York Community Bank serves customers through branches encompassing eight divisions: Queens County Savings Bank, Roslyn Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank, and Atlantic Bank in New York; Garden State Community Bank in New Jersey; Ohio Savings Bank in Ohio; and AmTrust Bank in Florida and Arizona.
  • Meadowbrook Financial Mortgage Bankers Corp.
  • 1600 Stewart Ave, Suite 701, Westbury, NY, 11590
  • Meadowbrook Mortgage Bankers is an established Mortgage Banker with over 50 years of management experience. Meadowbrook is an FHA, Fannie Mae, Freddie Mac, and VA Direct Endorsed Lender. We are licensed throughout the East Coast and growing; to fulfill our vision of becoming a nation-wide lender.
  • Mid-Island Mortgage Corp
  • 900 Merchants Concourse Suite #112, Westbury, NY, 11590
  • Mid-Island Mortgage Corp. our borrowers never settle for just any home, any rate, or typical service. They expect the best and they get the best! This customer-centric culture stems from our 55 year heritage. We believe that our value proposition goes well beyond "the lowest rate"​ and, since we are highly competitive with our rates