FHA VS Conventional loan in Lakeland, Shelby County, Tennessee

In 2025, Convetional loan limit in Lakeland, 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 Lakeland, 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: 38002

Conventional and FHA loan options in Lakeland, 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


  • PINNACLE MORTGAGE, INC.
  • 612 Newark St, Hoboken, NJ, 07030
  • Pinnacle Mortgage Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you
  • Diversified Funding Group USA
  • 61 Broadway, Suite 2780, New York, NY, 10006
  • Diversified Funding, we strive to always provide outstanding customer experiences and honest, reliable advice. We take the time to learn about each client’s goals, to educate on the variety of available options, and to recommend a solution that fits the client’s needs. This customer-centric approach smooths the buying process.
  • Better Mortgage
  • 120 Broadway, 5th Floor, New York, NY, 10271
  • Better.com is one of the fastest growing home ownership startups in the country, having grown 3.5x year-over-year and funding over $2 billion in mortgages a month. The fintech disruptor dismantled the home-financing ecosystem, replacing it with a digitized process that eliminates commissions, fees, unnecessary steps, and time-wasting appointments.
  • Jumbo Loan Experts LLC
  • 48 Wall Street, Suite 1100, New York, NY, 10005
  • Jumbo Loan Experts, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Commercial Mortgage Unlimited LLC
  • 22 Tilghman Dr, Glen Rock, NJ, 07452
  • Commercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type. All property typesCommercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type.
  • Garden State Mortgage Corp.
  • 160 Pehle Ave, Suite 301, Saddle Brook, NJ, 07663
  • Garden State Mortgage Corporation’s main focus is originating loans solely in NJ. Our goal is to offer competitive mortgage rates and fees while providing a level of service that exceeds our client’s expectations. This is why 65% of our mortgage loans are derived from previous customer referrals.
  • Municipal Credit Union
  • 2 Lafayette Street, New York, NY, 10007
  • Municipal Credit Union has been serving the financial needs of our members since 1916. The credit union was chartered in response to the concern of New York City Mayor, John Purroy Mitchel, who wanted city employees to have a way to save at reasonable rates and a low cost borrowing alternative to loan sharks.
  • AMERIDREAM HOME LOANS, L.L.C.
  • 72 Essex Street, Suite 4, Lodi, NJ, 07644
  • Ameridream Home Loans in 2016 with one single intention, to help as many people as possible accomplish their goals and reach the American dream of homeownership. We believe that our extensive knowledge of the industry and our transparent & streamline process is the key to our success.
  • Citibank US
  • 388 Greenwich Street, New York, NY, 10013
  • Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.
  • Abacus Federal Savings Bank
  • 6-8 Bowery, DOD 3rd Floor, New York, NY, 10013
  • Abacus Federal Savings Bank was founded in December, 1984 by a group of business leaders from the Chinese community in New York City. The founders' purpose in starting Abacus Bank was to provide financial services to immigrants and local residents of lower Manhattan. As the Chinese immigrant population grew, Abacus Bank has retained.
  • Portico Mortgage Inc
  • 139 centre street, Suite 806, New York, NY, 10013
  • Portico Mortgage Inc. offers a multitude of services and tailored advice to assist you in your business endeavors. We provide residential and investment programs. We offer fast, easy approval and customer-tailored loan products at the competitive rate. We assist new and existing customers with professional and thoughtful person services.
  • InstaLend Corporation
  • 222 Broadway, 19th floor, New York, NY, 10038
  • InstaLend is a tech-enabled lender for real estate loans providing fast, affordable and convenient capital to residential real estate developers. As a non-bank real estate lender, we provide 12-24 month short-term loans on single-family and small multifamily properties for acquisition and rehab. We also provide 30 year long term loans on stabil