In the year 2025, the limit for FHA loans in the area of Florence, found within the county of Lane, in the state of OR, is specified to be $481,850 for a single-family home. For properties with two units, this limit increases to $616,850. When it comes to a building with three units, the limit is raised to $745,650, and for a fully occupied four-unit residency, it reaches $926,650.
Concerning conventional loans, the ceiling for a single-family residence is set at $726,200. For housing estates that comprise two units, the maximum amount expands to $929,850, moves further up to $1,123,900 for estates that consist of three units, and finally extends to $1,396,800 for houses containing four units.
To uncover today's most favorable FHA rates, leverage our FHA calculator. This tool not only assists in finding current rates but also helps calculate important factors such as the size of down payment required, the income look-back, evaluation of credit standing, reserves needed, and the documentation essential to qualify.
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The Lendersa® calculator is a versatile tool that allows for a thorough comparison between FHA rate and terms against those offered by other loan programs that are available. It provides a comprehensive look into various loans such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money alternatives, allowing you to explore and compare these against FHA terms seamlessly.
Lendersa® aggregates extensive loan program data sourced from thousands of lenders, providing you with rapid comparison results customized to align with your specific financial circumstances and needs.
Refer to the Loan Limits Comparison Table for 2025, applicable to the city of Florence in Lane, OR. This detailed table facilitates a clear view of the maximum loan amounts permissible through different categories like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money opportunities. Additionally, to evaluate qualification requirements including income thresholds, reserve necessities, and credit evaluations, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™), a sophisticated tool designed to enhance your decision-making process, ensuring you find the best possible loan solution for your needs.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $481,850 | $616,850 | $745,650 | $926,650 |
| 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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