FHA VS Conventional loan in Martinsburg, Berkeley County, West Virginia

In 2025, the conventional loan limit in Martinsburg, within Berkeley County, WV, is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.

The Lendersa® Conventional loan calculator lets you evaluate today's top rates for Conventional, FHA, and USDA loans, determining necessary income, credit, reserves, and documentation for qualification. With our advanced mortgage tool, you can see Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in choosing the best option for your financial situation in WV.

Explore loan offers from a selection of 100 lenders

2025 Loan Limits and Downpayment Requirements in Martinsburg, Berkeley County, WV

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

The comparison table is applicable to these zip codes: 25403, 25401, 25404, 25402

Conventional and FHA Loan Options in Martinsburg, WV

Lendersa® aims to secure the best possible Conventional, USDA, or FHA loan efficiently, without hassle. Choose one of three starting options to find compatible lenders and programs.

Results for Lendersa USDA loan requests


  • Georgia First Bank
  • 1202 Second Street, Soperton, GA, 30457
  • Georgia First Bank serves small towns and underbanked communities of the state of Georgia. We have built our brand and our business for almost 120 years on “old fashioned”, face to face, relationship banking - local lending decisions and friendly service from someone you know. As we expand our business, we want to continue to offer this familiar
  • First Mid
  • 1515 Charleston Ave, Mattoon, IL, 61938
  • First Mid Bank & Trust, N.A. (“First Mid Bank”); First Mid Wealth Management Co.; and First Mid Insurance Group, Inc.First Mid is a $6.0 billion community-focused organization that provides a full-suite of financial services including banking, wealth management, brokerage, ag services, & insurance through a sizeable network of locations throughout.
  • Village Bank & Trust, National Association
  • 234 W Northwest Hwy, Arlington Heights, IL, 60004
  • Village Bank & Trust offers banking solutions tailored to our customers, their needs, & our unique community. No matter what your financial need, we can help. But, we also go above and beyond basic banking solutions. We host financial education courses, hold community events. We believe a bank should be a true asset the area it serves.
  • Metro Federal Credit Union
  • 2440 E Rand Road, Arlington Heights, IL, 60004
  • METRO Federal Credit Union has provided financial services for almost 50 years. We were organized in 1973 by municipal employees who wanted financial services at lower costs than those supplied by banks or other savings institutions. As a community credit union, we serve portions of Cook, DuPage, Lake, and McHenry counties, in addition
  • Innovative Mortgage Inc
  • 2001 E Fremont Ct, Arlington Heights, IL, 60004
  • At Innovative Mortgage Inc, 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.
  • One Republic Mortgage
  • 725 E.Dundee Rd, Suite 201, Arlington Heights, IL, 60004
  • One Republic Mortgage Inc. was founded in 2008 as a broker of residential home loan purchases and refinances. But after the dramatic environmental shift the financial and real-estate sectors endured in recent history, we determined that we could better serve the community by converting into a lender.
  • Fisher National Bank
  • 102 E. Division, Fisher, IL, 61843
  • The Fisher National Bank opened for business November 18, 1955 at a small office in downtown Fisher, IL. With numerous additions and renovations, this facility served our needs very nicely over the years. In the late 1990s, due to steady growth and the loyalty of our many clients, the board realized it was time to make another investment.
  • Great Lakes Credit Union
  • 3290 N. Lewis Ave, Waukegan, IL, 60087
  • Great Lakes Credit union is banking for better. Founded in Lake County, Ill. in 1938, GLCU began with one goal in mind: Enable civil servants to create their ideal future by borrowing and saving at competitive rates. At the time, no financial institution existed in the area, leaving local workers without an option to safely.
  • The First National Bank of Carmi
  • 201 E Main St, Carmi, IL, 62821
  • First Bank, an entity of Southern Illinois Bancorp, Inc. headquartered in Carmi, Illinois, has been serving businesses and families in Southeast Illinois and Southwest Indiana since 1893. We represent a return to the old-fashioned way of banking, where the staff knew everyone by name and treated you like a person instead of a number.
  • HBS Mortgage, LLC
  • 8228 River Pointe Overlook, Winston, GA, 30187
  • For more than 10 years, we have assembled a dedicated team of mortgage professionals with considerable experience in client relations and the lending industry. Naomi Hutchison, CEO of HBS Mortgage LLC, stands out as a leader in the mortgage industry with nearly 22 years of experience.