FHA VS Conventional loan programs in 2026 for Freeland, Luzerne County, Pennsylvania
In the year 2026, the set limit for conventional loans in Freeland, which lies within the county of Luzerne, PA, reaches up to $726,200. Conversely, the FHA loan threshold for similar single-family residences is established at $472,030.
The Lendersa® Conventional loan calculator is a practical tool designed to aid you in comparing today's top-rated Conventional, FHA, and USDA loans, assisting with determining necessary qualifications like income level, credit, and reserves. Through our sophisticated mortgage calculator, you can review the Conforming Conventional loans alongside USDA, FHA, and VA options to determine which plan best meets your financial necessities in PA.
2026 Loan limits and Down Payment Standards in Freeland, in the county of Luzerne, located within PA
Type of Loan
Limitations on Loan
Down Payment Required
Conforming Conventional
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparative table is applicable to these zip codes: 18224
Exploring Conventional and FHA Loan Options in Freeland, located in PA
The primary objective of Lendersa® is to help you secure the best Conventional, USDA, or FHA loan expediently and with minimal complexity. Choose from three initial paths to connect with lending institutions and loan plans tailored to your needs.
VAntage Trust Federal Credit Union has been serving its members since 1948 when it was founded by the employees of the VA Medical Center, Wilkes-Barre, Pennsylvania. We now serve over 8, 000 members. Our membership also includes members from 70 active Select Employee Groups (SEG). We are chartered by the federal government.
Cross Valley FCU was chartered by the National Credit Union Association in February 1969.Originally chartered as the Wilkes-Barre Federal Employees Federal Credit Union, its sponsor was the Data Operations Center of Social Security in Wilkes-Barre. Subsequent expansion of the Federal Charter was approved by NCUA to include Select Employee Groups.
John E Young has been in the Mortgage Industry for 18 years and Licensed by PA Department of Banking for the past 15 years. In less than 3 years as a Mortgage Originator, he was able to open his own Mortgage Company, and over 85% of his company’s business comes from referrals.John has helped many clients fix and analyze their credit reports.
254 South Washington Street, Wilkes Barre, PA, 18701
Lends in Pennsylvania
The Saint Nicholas Federal Credit Union is a member of the Northeast Pennsylvania Chapter of Credit Unions.
Federal credit unions are regulated by the National Credit Union Administration. A federal examiner audits the operation of each credit union once a year. Saint Nicholas Federal Credit Union has been a Federal credit union since 1938.
The Credit Union was established as The Wilkes-Barre Federal Credit Union on March 7, 1936 for employees of the Wilkes-Barre Post Office and other Luzerne County Post Offices. It wasn’t until 1970 that Corner Post FCU opened its first office on a part-time basis. In 1971, we reached a major milestone of our first million dollars in assets.
Navient (Nasdaq: NAVI) is a leader in education loan management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. The company helps its clients and millions of Americans achieve financial success through services and support.
Getz Mortgage, Inc., based in Kingston, is a Pennsylvania Licensed Mortgage Broker, owned and operated by Jesse Getz. The company focuses on purchase, refinance and new construction mortgages in Northeastern and Central Pennsylvania. With over 25 years of experience in the mortgage lending industry.
Penns Woods Bancorp, Inc, is the bank holding company for Jersey Shore State Bank (JSSB) and Luzerne Bank (LUZ). It was incorporated in Pennsylvania on January 7, 1983, with JSSB as a wholly owned subsidiary and later acquired Luzerne Bank on June 1, 2013. In October 2000, JSSB acquired the M Group, Inc. D/B/A The Comprehensive Financial Group.
First Northern Bank & Trust Co, originally founded in 1907 as First National Bank of Palmerton, is the sole-subsidiary of Palm Bancorp, ( a unitary bank holding company). We are now a Fed-Member, State chartered bank with11 branches in four counties across Northeast Pennsylvania, including Monroe, Carbon, Lehigh and Northampton.
