Throughout 2025, individuals seeking FHA loans within the county of Brunswick in Shallotte, NC, must note that the loan limits are defined distinctly: $472,030 applies to single-family homes, offering a suitable financing option for those purchasing their primary residence. If your investment or housing choice involves a property with two units, the loan limit escalates to $604,400. For those considering owning a three-unit property, the financial cap is elevated to $730,525, while for properties that host four units, the threshold is set at $907,900. These variables allow for flexibility and cater to diverse housing needs.
In addition to FHA loans, conventional loans also offer varying maximum amounts based upon property type. For instance, the cap for a loan on a single-family residence is defined at $726,200. Should your choice include two-unit properties, the conventional loan limit adjusts to $929,850. Properties that consist of three separate units have a limit of $1,123,900, whereas those with four living units align with a maximum amount of $1,396,800. Such flexible loan terms enable potential homeowners and investors to make informed decisions based on their specific financial situations and property aspirations.
To navigate today's FHA market dynamics efficiently and understand loan qualifications better, make use of our detailed FHA calculator. This tool provides insight into the most competitive FHA interest rates available today while helping you evaluate essential financial criteria such as downpayment requirements, potential income, required credit scores, necessary reserve amounts, and the full array of documentation mandated to qualify for a loan. Utilizing such resources can significantly simplify the path to securing a mortgage aligned with your financial goals.
The comprehensive Lendersa® calculator facilitates side-by-side comparison of FHA rates and terms with a multitude of other lending programs. This includes but is not limited to Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Such a broad evaluative spectrum ensures that every potential borrower can match their unique financial requirements against a wide pool of options, thereby decisive navigation through the lending landscape.
Through advanced data analytics, Lendersa® rapidly compiles and scrutinizes loan program data from an extensive network of lenders, providing a near-instant evaluation that is uniquely suited to your financial profile and borrowing criteria. This tailored analytical approach guarantees a personalized lending assessment, backed by extensive market insights.
Consult the comprehensive Loan Limits Comparison Table constructed for the year 2025. This detailed table elucidates the maximum allowable loan amounts for borrowers in Shallotte, within the county of Brunswick, NC. It covers an expansive set of loan types: from FHA, Conventional Conforming, and Jumbo, to USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and just as crucially, hard money loans. To delve deeper into comparison regarding qualification parameters such as income thresholds, credit scores, and reserve requirements, you are encouraged to utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™). This tool offers invaluable insights that translate complex financial data into meaningful information to guide your pertinent financial decisions and enhance your mortgage journey.
| 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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