For 2025, the FHA loan limits in Alamogordo county, part of Otero, NM, are as follows: $472,030 for a single-family home, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The maximum conventional loan amount for a single-family residence is $726,200. For 2-unit homes, it is $929,850. It's $1,123,900 for 3-units, and for 4-units, the amount is $1,396,800.
Use our FHA calculator to find today’s FHA optimal rates and evaluate the required downpayment, income levels, credit standing, reserves, and documentation for qualification.
Lendersa® calculator allows you to compare the rates and terms of FHA loans with those of other loan programs. Explore options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles loan program data from a wide selection of lenders, quickly aligning your options to your specific financial profile and requirements.
The Loan Limits Comparison Table for 2025 in Alamogordo, within Otero county, NM, allows the comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To delve into qualification needs such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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