Explore the differences! FHA VS Conventional loan programs in Shelby, Orleans County, New York

In 2025, Convetional loan limit in Shelby, county of Orleans, NY is $726,200 while FHA limit is $472,030 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 Shelby, county of Orleans, NY

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 14105, 14103

Conventional and FHA loan options in Shelby, 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


  • Hyde Funding
  • 8996 Miramar Rd, Suite 250, San Diego, CA, 92126
  • Headquartered in San Diego with over a decade of experience, Hyde Funding represents what you want in a mortgage lender. Hyde Funding specializes in all home purchase transactions, from Jumbo, FHA, First Time Home Buyer, Veteran, Conforming, Rehab, Cash Out, Hard Money and anything outside the box.
  • Morgan Home Loan Funding Corp
  • 8996 Miramar Road, Suite 230, San Diego, CA, 92126
  • Our mission is to provide you with the highest quality mortgage and refinancing services. Our loans are tailored to fit your personal needs at some of the most competitive rates in the nation. We are committed to serving the communities where we live and work, helping to providing mortgage solutions and to strengthen communities to improve lives,
  • H2 Mortgage, Inc.
  • 7940 Silverton Ave, Suite 101A, San Diego, CA, 92126
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • MB Capital Ventures
  • 2604B El Camino Real, Ste 156, Carlsbad, CA, 92008
  • MB Capital Ventures specializes in real estate and project finance. We focus on providing better terms for all types of real estate transactions and development projects. There is not an asset class or size we cannot touch. Most of our deals are between $1M and $10M. We have incredibly attractive financing programs for $25M+.
  • America One Mortgage Group
  • 1902 Wright Place, Suite 200, Carlsbad, CA, 92008
  • America One Mortgage Group, where we specialize in residential mortgages. At America One Mortgage Group, we will find a loan that fits each borrower. Unlike big Banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • Keystone Financial Services LLC
  • 4308 Sea Bright Drive, Carlsbad, CA, 92008
  • Keystone Financial is your mortgage broker. If you're on the hunt for a home loan then you'll want to compare us to our competition. We offer a lending experience that creates confidence and trust. Our goal is simple if we win, you win! broker. If you're on the hunt for a home loan then you'll want to compare us to our competition.
  • The Kolesar Team
  • 5790 Fleet Street, Suite 130, Carlsbad, CA, 92008
  • The Kolesar Team is dedicated to offering the best service to our customers. We want to change the way you see a mortgage. More guidance, less stress – More transparency, less confusion – We are here to create a better mortgage experience. Our home loan programs will win your business; our service will earn your trust.Get a home loan in less t
  • MortgageOne, Inc.
  • 5860 Owens Ave, Suite 130, Carlsbad, CA, 92008
  • MortgageOne, Inc was founded by Bryce Schetselaar in March 2012 upon the principles of integrity and providing the right loan for every borrower’s situation. During college, Bryce began his career in the mortgage industry with Bank of America as a loan originator. It became obvious to Bryce that there was a better way
  • MORTGAGE MAX INC
  • 1015 Chestnut Ave, Carlsbad, CA, 92008
  • Mortgage Max offers Loan programs to fit your budget. For practical and knowledgeable advice and options, give us a call. FHA, VA & Conventional. We can help with Reverse mortgages as well. We have been helping clients finance the purchase, or refinance of properties in north San Diego County for over 33 years.
  • M H Loans Corporation
  • 2244 Faraday Avenue, Suite 92, Carlsbad, CA, 92008
  • MH Loans has a successful method of financing mobile homes in Florida, Texas and California. The long history of solid customer service along with industry knowledge, has driven MH Loans into the spotlight as a premier lending resource for manufactured homes. The team is composed of committed individuals that go the distance to discover
  • J P Mortgage Co
  • 3071 Jefferson St., Carlsbad, CA, 92008
  • We specialize in Residential Mortgages. FHA, VA and Conventional financing. As a mortgage banker we function like a mortgage broker without the uncertainty. We have the power to make decisions locally. With over 25 years in the mortgage lending business we can make your process smooth and efficient. Mortgage refinancing, mortgage purchase.