In the year 2025, the FHA loan limits for Locust county, which lies within Stanly, NC, are designated as follows: $472,030 for a single-family home, $604,400 allotted for two-unit structures, $730,525 for properties housing three units, and $907,900 for families with four units.
The maximum figures for conventional loans on a single-family residence reach $726,200. Properties with two units are capped at $929,850, while those with three units extend to $1,123,900, with a limit of $1,396,800 for four-unit homes.
Utilize our FHA calculator to find the most competitive FHA rates today and calculate the necessary requirements for qualification, including the downpayment, income levels, credit scores, reserves, and required documentation.
The Lendersa® calculator is a powerful tool for comparing the rates and terms of FHA loans against other available loan programs. This encompasses Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® draws on a vast database of loan program data from thousands of lenders, providing prompt comparisons aligned with your specific financial profile and needs.
The Loan Limits Comparison Table for 2025 in Locust county, residing in Stanly, NC, compiles a detailed breakdown of the highest loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and fast money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification necessities including income, reserves, and credit requirements.
| 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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