FHA VS Conventional loan in Otis-Orchards-East-Farms, Spokane County, Washington

For 2026, the loan limit for a conventional mortgage in Otis-Orchards-East-Farms, within Spokane County, WA is $647,200, and the FHA limit for a single-family home is $420,680.

Explore the top rates today for Conventional, FHA, and USDA loans using Lendersa®’s Conventional loan calculator. Determine needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you compare Conforming Conventional loans, USDA, FHA, and VA options side-by-side to help you choose the best program in WA for your financial setup.

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2026 Loan Limits in Otis-Orchards-East-Farms, Spokane County, WA

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

Applies to zip codes: 99025

FHA and Conventional Loan Options in Otis-Orchards-East-Farms, WA

The aim of Lendersa® is to swiftly connect you with the best available Conventional, USDA, or FHA loans with minimal hassle. Start with one of three options to find matching lenders and plans.

Lendersa USDA loan requests and matches


Otis-Orchards-East-Farms Lenders

  • The Mortgage Warehouse
  • 13617 East 14th Court, Spokane, WA, 99216
  • Lends in Washington
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you

  • The Private Money Store Inc.
  • 9116 E Sprague Ave, Suite 285, Spokane, WA, 99216
  • Lends in Washington
  • The Private Money Store Inc. is a leading provider of private money real estate loans in the Pacific Northwest for business or commercial purposes secured by non-owner occupied investment property, Spec Construction and Vacant Land With over 35 years of private lending consulting and real estate investment experience

  • STCU
  • 1620 N. Signal Drive, Liberty Lake, WA, 99019
  • Lends in Washington
  • STCU has grown to 600-plus employees, serving more than 170, 000 members at 21 branch locations with $2.6 billion in assets. Although STCU has become the Inland Northwest's largest and most successful credit union, we've never forgotten that our most valuable assets are our members.

  • BEELINE MORTGAGE, LLC
  • 1421 N Meadowwood Lane, Suite 71, Liberty Lake, WA, 99019
  • Lends in Washington
  • We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.

  • Numerica Credit Union
  • PO Box 4000, Spokane Valley, WA, 99037
  • Lends in Washington
  • Numerica Credit Union currently has more than 160, 000 members from Spokane, Northern Idaho, the Tri-Cities and Wenatchee Valley. We offer a full line of financial products and services, including mortgages and business products. Membership is open to anyone who lives or works in the State of Washington or the Idaho Panhandle.

  • Heritage Home Loans
  • 1227 N Argonne Rd., Spokane, WA, 99212
  • Lends in Washington
  • We are a full service Mortgage Bank with loan products for Purchase and Refinance of Residential Real Estate. We offer in-house origination, processing, and underwriting to our clients to ensure their expectations are exceeded. Our main markets include Eastern and Central Washington as well as North Idaho down to Lewiston, ID.

  • A&B Mortgage, Inc
  • 9505 N. Division Street, Suite 104, Spokane, WA, 99218
  • Lends in Washington
  • A&B Mortgage, 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 option.

  • Brazington Mortgage LLC
  • 3114 E. Marietta, Spokane, WA, 99207
  • Lends in Washington
  • When you contact Brazington Mortgage, LLC you get to deal with the owner directly. Stan Brazington will act as your loan officer, loan processor. underwriter and funder. Stan has in excess of 39 years experience underwriting and funding private money loans. Brazington Mortgage LLC specializes in Private Money, great service, low closing costs.

  • RiverBank
  • 202 E. Spokane Falls Boulevard, Suite 500, Spokane, WA, 99202
  • Lends in Washington
  • RiverBank is a community business bank devoted to creating long-term client relationships by delivering high quality, digitally focused and competitively priced products & services to small businesses, professionals & private banking clients. We are located in the downtown Spokane University District & serve the greater Eastern Washington market.

  • Modus Mortgage
  • 140 S Arthur St, Suite 506, Spokane, WA, 99202
  • Lends in Washington
  • We've had the pleasure of serving you as K Loans since 2013, and we're looking forward to continue helping you achieve your home goals as Modus Mortgage (NMLS# 1028232). Don't worry though, only the name is changing. Whether you're buying or refinancing your home, need a pre-approval letter or have questions about the home loan process.