Explore the differences! FHA VS Conventional loan programs in Germantown, Shelby County, Tennessee

In 2025, Convetional loan limit in Germantown, county of Shelby, TN 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 TN is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Germantown, county of Shelby, TN

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: 38138, 38139, 38183

Conventional and FHA loan options in Germantown, TN

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


  • Symple Home Loans LLC
  • 11052 Cimarron Street, Unit E, Suite 100, Longmont, CO, 80504
  • "Symple Loans is powered by people who earn the trust of clients and partners through expertise and personal attention. We’ve built our success by partnering with real estate agents, builders, affinity groups, associations, and more. Having built our business on trusting relationships with real estate professionals"
  • Matson Mortgage Services LLC
  • 1703 Whitehall Drive, Suite 7b, Longmont, CO, 80504
  • I'm here to solve that for you. Go ahead and download my cheat sheet and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy. When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation
  • Centennial Lending
  • 11281 Business Park Cir, Longmont, CO, 80504
  • Centennial Lending is a Credit Union Service Organization (CUSO) endeavoring to be the primary lending solution for our partners and all borrowers. We are owned by 24 credit unions and partner with dozens more to provide residential mortgages, commercial loans, and lease services to our partner credit union and their members.
  • Orion Mortgage Inc
  • 10560 Wadsworth Boulevard, Broomfield, CO, 80021
  • Orion Mortgage, Inc. provides education for both potential borrowers and professionals. Don Opeka, CSA has two Reverse Mortgage seminars that lay out the facts, dispel the myths and provide actionable steps for how to use your home to stay in your home. His seminars, "Reverse Mortgage Myths - Real Stories Behind the Loans
  • Sigma Mortgage Corporation
  • 390 Interlocken Crescent, Suite 350, Centennial, CO, 80021
  • SigmaPro is a leading provider of business transformation (turnaround) consulting services. With decades of experience in strategy, performance assessment, performance improvement, Lean, Lean Six Sigma, Design for Six Sigma (DFSS), operations excellence, business model validation, revenue and margin optimization.
  • Elite Financial Team LLC
  • 390 Interlocken Crescent, Suite 350, Broomfield, CO, 80021
  • Elite Financial Team, LLC is a local, Colorado-based mortgage company, whose goal is to provide some of the lowest rates combined with some of the lowest fees, for any given loan scenario, without compromising superior customer service and satisfaction. Our goal is to provide a level of service second to non.
  • Mission Mortgage Colorado Inc
  • 8181 Arista Place, Suite 100, Broomfield, CO, 80021
  • Mission Mortgage Colorado, we know that the right mortgage makes all the difference. It's the vehicle to bring your homeownership dreams to life, but also an important tool to manage debt and create wealth. Trust your financing to a team of experts that understands and applies this every day.
  • Guaranty Home Mortgage Inc
  • 390 Interlocken Crescent, Suite 350, Broomfield, CO, 80021
  • 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.
  • Mountain State Financial Group
  • 9035 Wadsworth Pkwy, Suite 3400, Broomfield, CO, 80021
  • Our Colorado-based mortgage brokerage firm offers exceptional service and excellent products. As our client, you work with the same mortgage professional throughout the loan process; no one is passed to a junior associate. Your one point of contact from start to finish ensures a seamless
  • Alamosa State Bank
  • 2225 Main St., Alamosa, CO, 81101
  • Alamosa National Bank was chartered on February 9 and opened for business on March 14. It was organized with $25, 000 capital, and cash on hand was $2, 000 with $1, 200 in currency and $800 in silver. The first day’s deposits totaled $14, 659.30. The Original Board of Directors were Chris Wallrich.
  • Canyon River Mortgage LLC
  • 155 Salina St, Lafayette, CO, 80026
  • We opened the doors of Canyon River Mortgage in November 2006. Experiencing a lack of integrity in the real-estate lending business prompted me to create a company that prides itself on honest and ethical work. Our goal is to close your loan on time and with no surprises. By keeping on top of deadlines and communicating with all parties
  • Montgomery Mortgage
  • 2230 Route 206, Belle Mead, NJ, 08502
  • "Montgomery Mortgage has an estimated 99% customer satisfaction rate. After nearly 15 years of service, we do not have a single complaint with the New Jersey Department of Banking. We have the highest rating possible with the Better Business Bureau. Licensed as Mortgage Bankers, not just a Broker"