FHA VS Conventional loan programs in 2025 for Patchogue, Suffolk County, New York

In 2025, the limit for a Conventional loan in Patchogue, situated in the county of Suffolk, NY, is $1,089,300. Meanwhile, the limit for an FHA loan on a single-family home is $1,089,300.

Take advantage of the Lendersa® Conventional loan calculator to compare the best current rates available for Conventional, FHA, and USDA loans. Assess the income, credit, financial reserves, and documentation needed to qualify. Our advanced mortgage calculator offers a side-by-side comparison of Conforming Conventional loans, USDA, FHA, and VA to choose the best option for your financial needs in NY.

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2025 Loan Limits and Down Payment Requirements in Patchogue, County of Suffolk, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

The above table applies to these zip codes: 11772

Exploring Conventional and FHA Loan Options in Patchogue, NY

The main objective of Lendersa® is to secure the best possible Conventional, USDA, or FHA loans swiftly and without hassle. Choose from three initiation points that connect you to matching lenders and loan programs.

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  • 850 Kaliste Saloom Rd, Suite 212, Lafayette, LA, 70508
  • We specialize in mortgage loans in Lafayette. We also serve the surrounding cities in Lafayette County. Whether you are buying a home or refinancing in the zip code of 70508, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.
  • Approved mortgage
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  • "Bridgett Menard, a mortgage broker located in Lafayette, LA, is part of the Approved Mortgage team that provides low mortgages for buying a home or refinancing a mortgage you already have. Bridgett is known for working with the Veteran community to provide our active services military and veterans with convenient"
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  • 101 Energy Parkway, Suite D, Lafayette, LA, 70508
  • Priority mortgage landing is 25 years in the mortgage industry, Terri has served many borrowers in Acadiana and throughout Louisiana with purchasing either their first home, downsizing or upsizing. She has also assisted many borrowers with refinancing to lower interest rates, shorten loan term or cashing out equity to improve their homes.
  • Parc Lending
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  • Parc Lending. She brings 22 years of mortgage advising experience to Lafayette and the Acadiana area. A native of New Orleans, Mary moved to Lafayette in 2009. She is a devoted mother to her 8-year-old daughter Mollie and enjoys crafting, cooking and making soaps. Working diligently, Mary takes pride in her work. She is always available.
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  • Headquartered in Baton Rouge, Investar Bank is a full-service community bank that offers a superior level of products and services to individuals, professionals and small, medium and large businesses. This includes specialty accounts, bill paying services, cash management, electronic transactions and a wide variety of loan services.
  • US CapitalGroup Mortgage LLC
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  • US CapitalGroup Mortgage is a Veteran owned and Operated company based out of Lafayette, Louisiana. We are a client focused business bringing the best in mortgage products available at the lowest rates! Founded in Lafayette, Louisiana, US CapitalGroup Mortgage is a full service Mortgage brokerage.
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  • Universal Lending Services Inc
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  • Universal Lending is one of the most experienced mortgage companies in the area, with over 96 years combined experience throughout our team. Serving the state of Louisiana, we have the resources necessary to close loans quickly and efficiently. Among those resources are our relationships with local, regional, national lenders, and investors.
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