Explore the differences! FHA VS Conventional loan programs in West-Bay-Shore, Suffolk County, New York

For the year 2026, the maximum limit for a Conventional loan in West-Bay-Shore, within the county of Suffolk, NY stands at $970,800. In comparison, the FHA loan cap for a single-family home is $970,800.

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Utilize the Lendersa® Conventional loan calculator to evaluate current rates for Conventional, FHA, and USDA, checking necessary income, credit, reserves, and documents for qualification. Our comprehensive mortgage tool allows you to view Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding in selecting the best suited program in NY for your financial needs.

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2026 Loan Limits and Down Payment Requirements in West-Bay-Shore, Suffolk County, NY

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

Loan limits are applicable to zip codes: 11706

Conventional and FHA Loan Choices in West-Bay-Shore, NY

Lendersa® aims to ensure a seamless experience in obtaining the optimal Conventional, USDA, or FHA loan. Choose from three entry points that result in tailored lender matches and corresponding loan options.

  1. Submit a comprehensive application for optimizing Conventional/USDA/FHA loans
  2. Research Conventional, USDA, & FHA rates and terms initially
  3. Access the most extensive list of Conventional lenders
USDA Loan Request and Matching Results by Lendersa



  • Anchor Loans
  • One Baxter Way #220, Thousand Oaks, CA, 91362

  • Anchor Loans is the nation’s number one private direct lender to fix-and-flip investors, and was the first to fund more than $1 billion in loans in a single year. Anchor remains the industry leader, providing over $1 billion in fix-and-flip financing every year since 2016 — with life-to-date fundings surpassing $8.3 billion.

  • MortgagePlus
  • 3100 Ridge Pass Drive, Cameron Park, CA, 95682

  • 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.

  • Vision Mortgage, Inc.
  • 3161 Cameron Park Drive, Suite 108, Shingle Springs, CA, 95682

  • Vision Mortgage was established in 1998 with customer service at the forefront of its mission plan. The company’s major growth pattern spans over the last 5 years. The foundation of this growth has been the continued focus on customer service coupled with the best interest rates in the industry.

  • Marquis Mortgage
  • 3420 Coach Lane, Suite 12, Shingle Springs, CA, 95682

  • We are a full-service mortgage company based in Cameron Park, CA. We specialize in Conventional loans, FHA loans, and VA loans. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.

  • Citizens Bank
  • 2355 Olympic Street, Springfield, OR, 97477

  • In April 1957, a small group of community and business leaders came together and voted to establish a home-owned bank in Corvallis. The organizers intended to fill a need for a friendly banking service dedicated to all of the community and to the building of a thriving local economy.

  • Gateway Credit Union
  • 3030 Gateway Loop, Springfield, OR, 97477

  • Gateway Credit Union represents a strong and secure financial institution. Still committed to quality service, GCU looks forward to many years of serving the financial needs of its membership. Gateway Credit Union (formerly known as Food Industries Credit Union) has been open since 1963.

  • Fluent Mortgage
  • 1245 Main Street, Springfield, OR, 97477

  • "FLUENT MORTGAGE CORP is in the Mortgage Bankers and Loan Correspondents industry in Springfield, OR. This company currently has approximately 1 to 5 employees and annual sales of Under $500, 000.

    Chris B. is the owner speak Mortgage Fluently We specialize in VA, Conforming, & Portfolio Residential Financing

  • AIC Advanced Investment Corp
  • 380 Q Street, Suite 240, Springfield, OR, 97477

  • AIC is a Eugene/Springfield OR based company offering Private Money loans for Non-Owner occupied residential as well as Commercial properties located in Oregon. AIC's common sense real estate loans are for bona fide business purposes and not intended for personal or household purposes.

  • Prominent Mortgage Lending Inc.
  • 621 McCarty Street, Copperopolis, CA, 95228

  • Prominent Mortgage Lending Inc. proudly serves all of California. Unlike traditional mortgage bankers, Prominent Mortgage Lending makes home financing understandable, easy and convenient. We offer a wide range of financing options, interest rates and terms, giving you the opportunity to find the best loans for your needs.

  • Greenbox Mortgage
  • 29138 Pacific Coast Hwy 111, Malibu, CA, 90265

  • Providing you "Foundations for Your Future." Whether buying your family home, refinancing your existing home, or buying your investment property, we help our customers qualify for the real estate of their dreams and we love what we do. We help you overcome obstacles and secure your loan on a timely, cost-effective basis. We network with various mor

  • Capital Financial Advisors Inc.
  • 22241 Pacific Coast Highway, Suite B, Malibu, CA, 90265

  • Capital Financial Advisors, Inc. (CFA) established in 1999 is a residential & commercial lending brokerage based in Los Angeles serving all of California, Colorado & Montana. CFA functions at the consumer level engaging in real estate consulting services with transactions up to $100,000,000. Our services include customized services.
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