For 2025, the FHA loan limits in Shelby county of Orleans, NY are set at $472,030 for a single-family home, $604,400 for a two-unit property, $730,525 for three units, and $907,900 for four units.
Regarding conventional loans, the upper limit stands at $726,200 for single-family homes. This increases to $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for a four-unit building.
Use our FHA calculator to view today’s top FHA rates and determine necessary qualifications like downpayment, income, credit score, reserves, and any required documentation.
The Lendersa® calculator helps you compare FHA rates and terms with an array of other loan program options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Lendersa® compiles data from many lenders and quickly aligns it to your specific financial needs and profile, allowing for a timely comparison.
For 2025, our Loan Limits Comparison Table in Shelby county of Orleans, NY details maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review requirements like income, reserves, and credit standards, utilize 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 |
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
