FHA VS Conventional loan programs in Oak-Harbor, Island County, Washington
In 2026, the limit for conventional loans in Oak-Harbor, located in Island county, WA, is $647,200, while the FHA limit for a single-family home is $511,750.
Explore the Lendersa® Conventional loan calculator to compare today’s prime rates for Conventional, FHA, and USDA loans. Evaluate necessary income, credit, reserves, and documents for qualification. This advanced mortgage calculator allows you to view Conforming Conventional loans alongside USDA, FHA, and VA options side by side, helping you decide the best program in WA for your financial circumstances.
Loan Limits and Down Payment Needs for 2026 in Oak-Harbor, County of Island, WA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$366,500
0%
FHA
$511,750
3.5%
This table applies to the zip codes: 98277
Available Conventional and FHA Loan Options in Oak-Harbor, WA
The mission of Lendersa® is to quickly connect you with the most suitable loan solutions, including Conventional, USDA, or FHA, free of hassle. Start by choosing one of the three pathways to link up with the right lenders and loan programs.
On January 26, 1954, we received our charter as North Montana Texaco Employees Federal Credit Union. In 1958 our name was changed to Puget Sound Texaco Federal Credit Union. In June of 1988, Seattle Texaco Credit Union merged with our credit union. When Texaco merged with Equilon, the new credit union name became E. E. Federal Credit Union.
Fulton Financial Consultants, Inc. formally incorporated under the laws of Washington State on April 21, 1980 with the name Fulton Insurance Consultants, Inc. Then in 1995 changed its name to Fulton Financial Consultants, Inc. which was done for multiple reasons including the preparation of expanding licensing to become a Mortgage Broker.
9715 271st Street Northwest, Suite 3, Stanwood, WA, 98292
Lends in Washington
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.
financial edge mortgage loan program that's is the best for you. Our team of professionals is eager to help you with this big financial decision. We will treat you right and give you the personal service you deserve. We know you're making a commitment in buying a house, refinancing a mortgage,
120 E George Hopper Rd, Suite 200, Burlington, WA, 98233
Lends in Washington
"Private Lending Investments, Inc. is committed to providing the highest level efficient service to both the investor and buyer of our private loans. We take great pride in our level of communication with each client throughout every step of the loan. We specialize in the ability to structure each of the private loans"
The 1st Mortgage Services team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
224 W. Washington St, Suite 103, Sequim, WA, 98382
Lends in Washington
Peninsula Mortgage is the longest running independent Mortgage Lender on the Peninsula and is known for expertise, great loan prices and personal service and As an independent Mortgage Lender I am able to fit the best home loan available to my client's needs. A "single source" Lender can only offer the loans they happen to have in house.
Clift Mortgage has been walking first time home buyers and veteran investors through the murky waters of residential lending for nearly 20 years, and with over 100 years combined experience, we know the pitfalls to avoid, and have the answers you need! residential lending for nearly 20 years
119 N Commercial St, Suite 240, Bellingham, WA, 98225
Lends in Washington
Advisory Lending Group, we are driven to meet the mortgage needs of our community.Whether you are purchasing your first home, investment property or building your dream home, Carla Lee and Advisory Lending Group will empower you with confidence with our knowledge, convenience & solid expertise from initial application through and beyond the closing
Mountain Pacific Bank is a full-service commercial bank located in Everett, WA. The bank opened its doors in July of 2006 and achieved profitability in 6 months, setting a record for Washington State. The bank has continued to grow & set records and currently reports $534.3million in assets.
