FHA VS Conventional loan programs in 2025 for Lakeland, Shelby County, Tennessee

In 2025, the loan limit for Conventional loans in Lakeland, part of Shelby county in TN, is $726,200, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare the best current rates among Conventional, FHA, and USDA options. Determine the necessary income, credit score, reserves, and documentation. Our advanced calculator provides a side-by-side comparison of Conforming Conventional loans, USDA, FHA, and VA options, helping you decide which is best for your financial situation in TN.

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2025 Loan Limits and Downpayment Requirements in Lakeland, Shelby, TN

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table applies to the following zip codes: 38002

Available Loan Options: Conventional and FHA in Lakeland, TN

Lendersa® aims to quickly and smoothly get you the best Conventional, USDA, or FHA loan with minimal hassle. Choose from one of three starting points to match with suitable lenders and loan programs.

Overview of USDA loan requests and matches at Lendersa


  • Solidon Financial & Realty
  • 3550 Wilshire Blvd., Los Angeles, CA, 90010
  • SOLIDON REAL ESTATE has a vast list of options all available for you. Moving can be a daunting process, but with our personalized services, outstanding agents, and world class customer care, you will see how seamless the process can be. We’ve got you covered, and we can’t wait to help you.
  • Mor Financial
  • 3530 Wilshire Blvd. Suite 1820, Los Angeles, CA, 90010
  • MOR Financial is a direct in-house asset-based lender located in Downtown Los Angeles. With nearly 60 years of combined experience funding real estate transactions, MOR has successfully built a powerful funding base in California coupled with an extensive affiliate program stemming from coast to coast.
  • MOR Financial
  • 1100 Wilshire Blvd Ste 3302, Los Angeles, CA, 90010
  • MOR Financial is a California based mortgage company that specializes in private money lending. Private loans are secured by real estate properties, both residential & commercial. Our company is dedicated to a hassle free submission process allowing you to focus on your business and investments.
  • Hankey Capital
  • 4751 Wilshire Blvd., Suite 110, Los Angeles, CA, 90010
  • Hankey Capital is a private direct lender originating short-term bridge and construction financing in the $2M to $50M range secured by real estate located in California. We specialize in time-sensitive and value-added deals underserved by banks and other traditional capital sources.
  • Wilkes Mortgage Group
  • 3470 Wilshire Blvd. #910, Los Angeles, CA, 90010
  • When purchasing a home or refinancing, for most Americans it is the biggest investment they will ever make, and should be treated as such. After closing thousands of loans throughout my 16 year career as a licensed realtor and mortgage broker, my objective is straight forward and clear.
  • HomeIT Lending
  • 695 S Harvard Blvd, Los Angeles, CA, 90005
  • HomeIT Lending is a fast growing mortgage company with a firm commitment to delivering quality service to our customers. We offer a wide range of mortgage products with competitive rates and fast closing. We pride ourselves on providing superior customer service and creating satisfied customers.
  • ePlanet Mortgage LLC
  • 1800 Vine Street, Suite 344, Los Angeles, CA, 90028
  • ePlanet Mortgage is a full-service mortgage company based in Hollywood, CA. We specialize in assisting First time home buyers and offering specialty relocation loans in Hollywood. We also serve the surrounding cities in Los Angeles County. Whether you are buying a home or refinancing in any of these we can help you realize your dream of home.
  • HML Investments
  • 3151 West Cahuenga Blvd suite 300, Los Angeles, CA, 90068
  • California Hard Money Lenders, Los Angeles Hard Money, Trust deed investments specialist, Hard money lending solution- we are a direct source for Hard money loans in California. HML Investments Group was founded by Yanni Raz in 2004. Since then, it has been providing hard money loans for hundreds of residential, commercial and construction.
  • Tressa Pope
  • 3500 W Olive Avenue, Suite 300, Burbank, CA, 91505
  • With over 20 years of experience in the mortgage industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing. Working with me, you’ll receive: Professional advice and support in making your home financing decisions
  • National Home Preservation Center
  • 2600 West Olive Ave, 5th Floor, Burbank, CA, 91505
  • NHPC assists troubled homeowners every day through our national network of foreclosure prevention Team. Get the professional help you need to keep your home and have peace of mind. Our national network of foreclosure prevention specialists will work hard on your behalf and negotiate directly.
  • UMe Credit Union
  • 3000 W. Magnolia Blvd, Burbank, CA, 91505
  • U + Me. That’s our not-so-secret sauce. We care about the things that matter to you—family, friends, that comfy old pair of shoes you can’t throw away even though one of them has a hole (no judgment). As a Burbank institution, we’ve been committed to our community since 1940. And through our long history.
  • The Mortgage Group
  • 4405 Riverside Drive, Suite 101, Burbank, CA, 91505
  • The Mortgage Group is a family run business since 1995. After working for and managing other mortgage companies for many years, Gary Hatch started his own company, The Mortgage Group, in 1995. In early 2000, his daughter, Christine, joined the company. In 2006, the responsibility of running the company was transferred to Christine.