FHA VS Conventional loan programs in 2026 for Rye-Brook, Westchester County, New York

For the year 2026, the cap on a Conventional loan in Rye-Brook, within the county of Westchester, NY, is $970,800. Simultaneously, the FHA limit for a single-family dwelling is $970,800.

Utilize the Lendersa® Conventional loan calculator to analyze the finest rates today between Conventional, FHA, and USDA options, assessing needed income, credit, reserves, and documents for qualification. This advanced mortgage calculator allows a detailed comparison of Conforming Conventional, USDA, FHA, and VA loans, assisting you in picking the most suitable program for your financial situation in NY.

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Details on loan limits and down payments for 2026 in Rye-Brook, Westchester county, NY

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

Refer to this table for zip codes: 10604

Available Conventional and FHA loan choices in Rye-Brook, NY

Lendersa® is committed to facilitating the quickest and most efficient loan process for Conventional, USDA, or FHA loans. Begin by selecting from three options to find suitable lenders and loan offerings.

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Rye-Brook Lenders

  • RealFi Home Funding Corp
  • 707 Westchester Avenue, Suite 305, White Plains, NY, 10604
  • Lends in New York
  • We are redefining the mortgage process from the ground up by combining an innovative approach with an experienced management team. We combine state-of-the-art technology with in-house expertise creating a seamless, transparent process that transforms mortgage lending from beginning to end.

  • ABS Based Solution
  • 1133 Westchester Avenue, West Harrison, NY, 10604
  • Lends in New York
  • Asset Based Solution (ABS), LLC focuses on real estate and asset-based lending. We are the leading Hard Money Lender in New York & Florida, also lending in Connecticut, Maryland, New Jersey, and Pennsylvania.

    Our mission is to empower real estate investors, beginners or experienced, to seize opportunities they cannot finance themselves. We under

  • Quorum Federal Credit Union
  • 2500 Westchester Avenue, Suite 411, Purchase, NY, 10577
  • Lends in New York
  • Our mission is to do good by you and for you, by returning profits in the form of our competitive rates, low fees, simple rules, clear communication, frictionless delivery and unbiased advice. Quorum is banking that’s focused on you, and how our products and services can help you live life as you choose.

  • Cardinal Mortgage Corp.
  • 2900 Westchester Avenue, Purchase, NY, 10577
  • Lends in New York
  • At Cardinal Mortgage Corp., we provide an extremely important service in the field of mortgage finance, including the loan origination, working closely with the borrower, pre-qualifying the loan, verifying the credit and property aspects of the loan, and making sure that you, the borrower is protected in all areas of the loan.

  • Bridge Lending Group
  • 2900 Westchester Avenue, Purchase, NY, 10577
  • Lends in New York
  • Bridge Lending Group is a Private Real Estate Lender with offices at 2900 Westchester Avenue,
    Suite 405, Purchase New York 10577.

    We specialize in Refinance, New Construction, Rehab and Fix&Flip mortgages.
    We originate mortgage loans from $100K – $1MM+ against 1-4 family, non-owner occupied properties, at a loan-to-value ratio not exceeding 50

  • Direct Lending Group
  • 34 South Broadway, White Plains, NY, 10601
  • Lends in New York
  • Loan Fundr is a private Nationwide commercial lender headquartered in New York, offering many financing options, including: bridge financing, hard money loans, private lending, commercial real estate financing, structured joint venture financing, permanent financing, mezzanine financing, construction loans and acquisition financing

  • Quintessential Mortgage Group
  • 399 Knollwood Road, Suite 320, White Plains, NY, 10603
  • Lends in New York
  • Quintessential Mortgage Group,we believe in treating customers the way we would like to be treated. We educate, advise, & empower you with mortgage planning tools to help you make informed decisions.We know you need a lot of information before you decide which mortgage broker is right for you, & we’re prepared to give you the information you need.

  • M1 Capital Corp
  • 50 Main St, Suite 1000, White Plains, NY, 10606
  • Lends in New York
  • M1 Capital Corp. is based in White Plains and New York City, New York and specializes in acquisition financing and refinancing outstanding CRE loans, restructuring current debt and delivering smart, effective solutions through a variety of loan options: conventional financing, private equity real estate lending, SBA 504 and 7a programs.

  • Pepe Berard Capital LLC
  • 211 South Ridge Street, 2nd Floor, Rye Brook, NY, 10573
  • Lends in New York
  • Pepe/Berard Capital is a boutique real estate direct lender & investment firm co-founded by William Pepe & Ralph Berardi, Jr. in 2013. The principals have over 50 years of combined experience in real estate lending, investments and management. The firm was founded to pursue small to middle market real estate opportunities.