For the year 2025, the FHA loan limits applicable in Bangor county of Penobscot, ME are set up as follows: a limit of $472,030 applies for single-family homes, $604,400 is applicable for two-unit residences, while three-unit homes have a limit of $730,525, and four-unit properties can have loans up to $907,900.
Conventional loan amounts, on the other hand, are capped at $726,200 for single-family houses. Two-unit places have a limit of $929,850, three-unit structures have $1,123,900, and four-unit buildings can reach up to $1,396,800.
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The Loan Limits Comparison Table for 2025 applicable to Bangor county in Penobscot, ME provides detailed information on maximum financing limits across various sectors including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (often referred to as HECM), and hard money options. To examine specific qualification criteria like income requirements, reserve funds, and credit standings, resort to utilizing the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for an all-encompassing analysis.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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