FHA VS Conventional loan 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.

Today’s view on Conventional loan rates by Lendersa
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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.

Review offers from 100 lenders

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.

  1. Submit the ultimate optimization request for Conventional/USDA/FHA loans
  2. Access initial rates and terms for Conventional, USDA, and FHA
  3. Find the largest database of Conventional lenders
Results from Lendersa USDA loan request and matching



  • United Home Loans, Inc
  • 1000 N. Milwaukee Avenue, Chicago, IL, 60642

  • "Our mortgage lenders not only average more than ten years in the mortgage industry, but also call Chicagoland home. We live where we lend, so we’re always a phone call or face-to-face chat away.
    Our knowledge of the local market, ability to offer custom loan solutions, and commitment to personal service."

  • Chicago Financial Services, Inc.
  • 1455 W. Hubbard St. Suite 200, Chicago, IL, 60642

  • Chicago Financial Services, Inc. founded in 1990 The company provides residential financial services to individuals and institutional projects it is recognized as one of the premier residential mortgage banks in Chicago and differentiates itself from other mortgage banks because of its boutique size. All aspects of the residential lending process.

  • A & N MORTGAGE SERVICES, INC.
  • 1945 N. Elston Ave, Chicago, IL, 60642

  • A and N Mortgage Services, Inc.'s mission is to provide you with high quality programs that are tailored to fit your unique situation at some of the most competitive rates in the nation.After receiving your information, A and N Mortgage Services, Inc. will be able to get a complete look at your financial situation to determine.

  • Filer Credit Union
  • 1117 28th Street, Manistee, MI, 49660

  • Filer Credit Union first opened its doors in 1951 in an office at the American Box Board Company (currently PCA). The credit union has long since moved out of the plant, but we will never forget our roots or the men and women who first introduced the credit union movement to our area. Interestingly enough

  • Mortgage Loan Direct Inc
  • 15255 South 94th Avenue, Suite 519, Orland Park, IL, 60462

  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.

  • Avalon Mortgage Services Inc
  • 9439 West 144th Place, Orland Park, IL, 60462

  • Avalon Mortgage Services, Inc. offer personalized service & some of the most competitive rates in the mortgage industry. Our clients continue to recommend us because of our experience & knowledge of every aspect of the mortgage business & real estate market. Our expertise makes the purchase or sale of our client's homes & investment properties.

  • The Idabel National Bank
  • 1201 SE Washington St., Idabel, OK, 74745

  • The Idabel National Bank was founded in 1921 and has operated in McCurtain County as an independent community bank since its inception. The bank has been locally owned and operated for many decades, with the current ownership in place since 1968. Additionally, due to the structure of the bank’s retirement plan for its employees.

  • Rental Property Lending Group of America, Inc
  • 12533 Surrey Ct, Mokena, IL, 60448

  • Our main goal is to help real estate investors grow their rental portfolios sooner rather than later. We offer a one stop shop program to acquire and rehab property with a line of credit that can be termed out with NO value seasoning up to 75% of fair market value. This strategy will allow you to recycle the same money over and over again.

  • MBLO Funding Inc
  • 11104 Front Street, Unit 2D, Mokena, IL, 60448

  • Joseph Siwinski started MBLO Funding with the goal of making the mortgage process both simple and transparent. Joseph understand that buying a home or refinancing a home is an emotional time and that no two loans are alike. My primary focus is to provide you with a simple process that is easy to understand and offers you the lowest rate possible.

  • Command Financial Group
  • 2150 S Canalport Ave, Suite 4B6, Chicago, IL, 60608

  • Command Financial Group is a licensed mortgage broker in the state of IL and CO. We are a veteran owned and operated company that specializes in helping veterans with their loan needs. We also do loans for conventional and FHA borrowers as well. We want to help you make the most informed decision when navigating the various loan options available.

  • Gold Coast Bank
  • 1165 N. Clark Street, Suite 200, Chicago, IL, 60610

  • We are focused on the safety of our employees and customers and ensuring business continuity. This effort also includes ensuring that critical functions continue in the event of any disruption, with policies, people and processes aligned to provide continuous service. We are not starting from scratch on these plans.

  • E-Finance Mortgage LLC
  • 948 West Madison Street, Suite CE, Chicago, IL, 60607

  • E-Finance Mortgage is a conscientious devotee of humble service to our clients, offering convenient & low priced home mortgage services for purchase & refinance of the American dream of owning a home.We are focused on becoming the 1st choice in the markets we serve through integrity, exceedingly high business ethics & valuable social responsibility
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