FHA VS Conventional loan programs in 2025 for North-Ridgeville, Lorain County, Ohio

During 2025 in North-Ridgeville, located in the county of Lorain, OH, the limit for a Conventional loan is set at $647,200, and for an FHA loan for a single-family dwelling, it is $420,680.

Utilize the Lendersa® Conventional loan calculator to effectively compare the best available rates today among Conventional, FHA, and USDA loans. This tool assists in determining the necessary income, credit score, reserves, and documents required for eligibility. Our advanced mortgage calculator provides a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, which helps you to select the most appropriate program in OH tailored to your unique financial scenario.

Explore loan offers from 100 distinct lenders

Loan Limits and Down Payment Requirements in North-Ridgeville, Lorain, OH for 2025

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This table is applicable to the following zip codes: 44039

Exploring Conventional and FHA Loan Options in North-Ridgeville, OH

Lendersa® aims to help you secure the most favorable Conventional, USDA, or FHA loans quickly and hassle-free. Choose from one of three starting points to find matching lenders and loan programs.

Lendersa outcomes for USDA loan requests


  • Prestige Mortgage of Louisiana LLC
  • 3639 Ambassador Caffery Pkwy, Suite 420, Lafayette, LA, 70503
  • Prestige Mortgage of Louisiana LLC. is committed to providing our clients with the highest quality financial services combined with the lowest costs and rates available in the area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically.
  • Executive Mortgage, llc.
  • 3639 Ambassador Caffery, Suite 302, Lafayette, LA, 70503
  • Our staff of mortgage professionals will give you the personal attention you deserve and treat you with the respect due to a valued customer. We understand you’re making a commitment in buying a new home or refinancing your current home. So, in turn, we will also make a commitment to you. We will help you qualify, apply
  • FAMILY FIRST MORTGAGE
  • 3909 Ambassador Caffery Parkway, Lafayette, LA, 70503
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
  • InterTrust Mortgage, L.L.C.
  • 1027 Harding Street, Lafayette, LA, 70503
  • InterTrust Mortgage, L.L.C. is a full service, licensed mortgage broker. It is our commitment to offer only the highest quality professional service to our clients, Realtors and associates in related fields. Over the years, we have built a reputation of offering honest, ethical, and thorough service to our clients.
  • The Texas Loan Company
  • 1507 S. Main St., Lindale, TX, 75771
  • The Texas Loan Company is a client-focused mortgage brokerage firm that specializes in providing our clients the best product with the best rate while providing the best service. Give us a call we will fund your home dreams and also Conventional mortgages are ideal for buyers with good credit and money to put down.
  • Sunshine Mortgage Solutions LLC
  • 5722 New Paris Way, Ellenton, FL, 34222
  • Sunshine Mortgage Solutions LLC is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently,
  • Wauchula State Bank
  • 106 East Main Street, Wauchula, FL, 33873
  • Wauchula State Bank has served the Florida Heartland since 1929 as a family-owned, locally managed, community bank. We continue to grow our vision of being the premier bank in Central Florida by making banking easy, secure and convenient by listening to our customers and offering flexible and creative options based on our experience
  • The First National Bank of Tom Bean
  • 109 S. Britton, Tom Bean, TX, 75489
  • Established in 1906 we have served the needs of our community for over 100 years. You are not simply customers to us; you are our friends and our family. We have strived to excel at bringing you the financial products and technological advancements to meet your needs while retaining our hometown feel.
  • Heartland National Bank
  • 320 US Highway 27 N, Sebring, FL, 33870
  • Heartland National Bank was organized in 1998 by a group of local businessmen. Their biggest concern at that time was the effect bank mergers and acquisitions were having on Highlands County businesses. It was their belief that the community would benefit from a locally owned, independent banking institution.
  • Rayne Building & Loan Association
  • 200 North Adams Avenue, Rayne, LA, 70578
  • Rayne Building and Loan Association’s mission is to provide personalized banking solutions for every stage of life with ongoing customer satisfaction in a range of products and services. RBL's focus on supporting the development of homes, communities and neighborhoods has been engrained in our culture since the beginning.
  • OneHome Mortgage
  • 200 Cautillion Dr, Youngsville, LA, 70592
  • We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
  • Financial Access Federal Credit Union
  • 604 13th Ave E, Bradenton, FL, 34208
  • Founded in 1958, Financial Access Federal Credit Union is the only Manatee Chartered Credit Union and is located in Bradenton Florida. In 2018 we celebrated our 60th Anniversary! We are a not-for-profit financial cooperative. This means we make decisions for the benefit of all our customers, whom we call member-owners.