Conventional Loans Vs FHA in Rocky-Point, NY [in 2026]

In 2026, the conventional loan limit for Rocky-Point, located within Suffolk County, NY, is defined as $970,800, whereas for a single-family home, the FHA limit is $970,800.

Take advantage of the Lendersa® Conventional loan calculator to gauge and compare today's top rates across Conventional, FHA, and USDA. It helps identify the income, credit scores, reserves, and documentation needed for qualification. This sophisticated mortgage calculator features Conforming Conventional, USDA, FHA, and VA loans side by side to help you choose the ideal program in NY for your unique financial situation.

Explore Conventional and FHA Loan Options in Rocky-Point, NY

Lendersa® is committed to delivering the most suitable Conventional, USDA, or FHA loans quickly and efficiently, without hassle. Begin with any of the three methods to connect with compatible lenders and loan programs.

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

See Lendersa's USDA loan request and matching outcomes

Rocky-Point Lenders
631-828-4404 Lender's profile and map Commercial Lender Link 640 Belle Terre Road. Building D, Port Jefferson, NY, 11777 Lends in New York 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
(631) 924-7328 Lender's profile and map Suffolk Federal Credit Union 3681 Horseblock Rd, Medford, NY, 11763 Lends in New York Suffolk Federal Credit Union is committed to a relationship with our members based on trust and respect as we deliver Better Banking for Long Island. We understand that each of our members has their own dream or vision of what they want to accomplish financially, whether it's the purchase of a new home or new car.
(833) 319-3517 Lender's profile and map Insula Capital 627 Horseblock Rd, Farmingville, NY, 11738 Lends in New York Insula Capital Group is a private lender and real estate investment company providing short term fix and flip loans, construction loans, and permanent financing options, custom tailored to the needs of our clients. Our loans are underwritten in-house, resulting in lightning fast funding and an easy application, inspection
(631) 687-3510 Lender's profile and map Atlantic Home Capital Corp. 627 Horseblock Road, Suite 101, Farmingville, NY, 11738 Lends in New York Atlantic Home Capital is one of the most well established mortgage brokers on the eastern seaboard. We are multi state licensed & can originate FHA, VA & Reverse mortgages.Our management team has over 30 years combined experience.Our support staff is professional, courteous, diligent & proficient in mortgage procedures from origination to closing.
(631) 737-0707 Lender's profile and map Silver Lining Funding 154-2 Remington Blvd, Ronkonkoma, NY, 11779 Lends in New York We believe that every customer deserves the best care and service when purchasing or refinancing the home of their dreams. We're here to serve your mortgage needs and have what it takes to make a difference in your next mortgage transaction.We can place all types of mortgages including purchases, refinances, equity takeouts,debt consolidations.
2127633770 Lender's profile and map EC Lending 440 Rte 111 Smithtown NY, Smithtown, NY, 11787 Lends in New York EC Lending revolutionizes the lending landscape with innovative solutions, providing resources that overcome even the most complex financial challenges. Boasting unmatched expertise, EC Lending empowers clients to secure the best terms through personalized service and cutting-edge technology. Choose EC Lending for bespoke financing, where every dre
(631) 486-3770 Lender's profile and map DMN Mortgage Corp 155 East Main Street, Suite 240, Smithtown, NY, 11787 Lends in New York WE started DMN Mortgage Corp. in 2006. This is a family run company that prides ourselves on helping making the mortgage process EASY! We are with you every step of the way. We work hand in hand with the best Lenders, attorneys and title companies in the business! Brett Brucaleri owner/broker at DMN Mortgage Corp.
(631) 863-3300 Lender's profile and map Nations Financial of New York Inc 738 Smithtown By Pass, Suite 101, Smithtown, NY, 11787 Lends in New York Since 1994, we have provided home mortgages for Long Island and the entire State of New York. Our corporate office is located in Smithtown, NY where we have been serving Suffolk, Nassau, Queens and Kings County communities for over 20 years. We offer a variety of mortgages to meet your home financing needs.
(888) 660-3033 Lender's profile and map All Island Mortgage & Funding Corporation 496 Smithtown By-Pass, Suite 308, Smithtown, NY, 11787 Lends in New York All Island Mortgage & Funding Corporation. A family owned and operated mortgage business. FHA approved. Established in 1989, serving all of New York, Florida, Connecticut, New Jersey, Pennsylvania, Montana, Washington State, Alaska, California, Texas. A leader in Reverse mortgage financing.