During 2025, the FHA loan limits applicable within Brices-Creek in the county of Craven, NC, are outlined as follows: the limit for a single-family home is $356,362. For homes comprising two units, the limit is $456,275, while for those with three units, the cap extends to $551,500. Lastly, for properties with four units, the ceiling is set at $685,400. These distinctions are critical for prospective buyers assessing their financial abilities eligible under these FHA terms.
Parallel to FHA offerings, the maximum loan amounts for conventional housing loans are similarly structured. A single-family dwelling sees a cap of $548,250, while properties with two units hold a limit of $702,000. Those considering three-unit buildings should note that the maximum available loan amount is $848,500, and for four-unit properties, it increases to $1,054,500. These adjustable caps help borrowers align their property acquisition plans with the most suitable loan category and terms.
For a comprehensive understanding of FHA rates at present, users are encouraged to employ our reliable FHA calculator. This tool not only reveals current top FHA rates but also details essential financial elements such as the necessary downpayment, income steadiness, creditworthiness, reserve sufficiency, and required documentation for full qualification.
Lendersa® offers a diverse calculator for juxtaposing FHA rates with terms from other loan programs. Delve into the comparison process involving Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA. This extensive comparison ensures a thorough understanding of the broader lending environment, empowering you to make an informed decision that reflects your unique financial profile.
Lendersa® aggregates data from a multitude of lenders, providing swift comparisons linked directly to your financial and personal profile needs. By doing so, it offers highly tailored results specific to your situation.
The Loan Limits Comparison Table designed for 2025 in Brices-Creek, within Craven, NC, facilitates the comparison across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. This allows for examining maximum loan thresholds effectively. For insights into qualification criteria, including income, reserves, and credit specifics, turn to the robust Lendersa® Super Loan Integrated Qualifier (SLIQ™), optimized for providing the necessary detail for confident, strategic lending decisions.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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