Conventional compare with FHA Loan St.-James, NY [Suffolk

In 2026, the limit for conventional loans in St.-James, Suffolk County, NY, is $970,800, whereas the FHA limit for a single-family residence stands at $970,800.

Utilize the Lendersa® Conventional loan calculator to assess and compare the best available rates between Conventional, FHA, and USDA. Identify the necessary income, credit requirements, reserves, and documents required for qualification. Our advanced mortgage calculator places Conforming Conventional, USDA, FHA, and VA loans side by side to assist you in selecting the most suitable program for your financial situation in NY.

Options for Conventional and FHA Loans in St.-James, NY

The objective of Lendersa® is to provide you with the most competitive Conventional, USDA, or FHA loan efficiently and without any hassle. Choose one of three options that facilitate connections with matching lenders and loan programs.

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

USDA loan request and matching results by Lendersa

St.-James Lenders
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.
(917) 662-4628 Lender's profile and map Ownit LLC 180 East Main Street, Suite 206, Smithtown, NY, 11787 Lends in New York Ownit's mission is to serve the needs of borrowers throughout New York State by providing great rates and excellent service. As a full service brokerage offering expertise in every area of mortgage lending from purchase to refinance to commercial lending. We have access to a full range of mortgage sources and are dedicated to finding the right loan
(631) 360-0003 Lender's profile and map BEST RATE CAPITAL INC 975 W. Jericho Turnpike, Suite 3, Smithtown, NY, 11787 Lends in New York BRC is a family owned Long Island based mortgage company operated by Nathan Baram. With experience of over 18 years in the mortgage and real estate industry, you can be assured that you are in good hands. Competitive Mortgage products combined with a smooth and efficient process is what puts BRC above the rest. Established in 2006.
(631) 434-3500 Lender's profile and map People's Alliance Federal Credit Union 125 Wireless Boulevard, Hauppauge, NY, 11788 Lends in New York Founded in 1940 as the Pan American World Airways Credit Union, PAFCU currently serves 40, 000 employees of over 400 different companies throughout the United States. At PAFCU, there are no customers—everyone is a member and owner of the credit union and receives friendly, respectful service from the staff
(631) 382-7310 Lender's profile and map Lighthouse Mortgage Corporation 527 Townline Road, Suite 305, Hauppauge, NY, 11788 Lends in New York Lighthouse Mortgage Founder/President. Brokered in excess of $600 million in real estate loans, commercial and residential. Hired and trained a staff of 20 sales people and 5 support staff. Developed program to expedite loan process from initial borrower contact through appraisal, underwriting and closing ensuring quick turnaround time.
(631) 851-1100 Lender's profile and map Island Federal Credit Union 120 Motor Parkway, Hauppauge, NY, 11788 Lends in New York Island Federal Credit Union, headquartered in Hauppauge, N.Y., is a not-for-profit, full-service financial institution, providing affordable banking products and services to Long Islanders. Founded in 1955, Island has grown to be among the top-performing credit unions in New York State with over $1 billion in assets, serving more than 45, 000