FHA Vs. USDA loan program for Fernandina-Beach, Nassau County, Florida

In 2025, USDA loan limit in Fernandina-Beach, county of Nassau, FL is $310,900 while FHA limit is $388,700 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Get top 10
USDA LENDERS
customized to yout needes

USDA and FHA loan options in Fernandina-Beach, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(630) 247-7235 857 miles Lender's profile and map Reviews USA Mortgage Corporation 101 North Addison Street, Suite 202, Elmhurst, IL, 60126 Our mortgage team members will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you.
866 835 6520 857 miles Lender's profile and map Reviews Stonehaven Mortgage 194 N York St, Ste 100, Elmhurst, IL, 60126 Stonehaven Mortgage is a Illinois mortgage bank that is focused on servicing our clients with the lowest rates and quickest turn times in the industry. All of our conventional and government loans are processed, underwritten and closed by underwriters who understand the markets in which banks lend. This allows us to assure our clients that we’ll g
(312) 612-0348 857 miles Lender's profile and map Reviews Anchor & Anvil, LLC 1055 W. Bryn Mawr, Suite F-128, Chicago, IL, 60660 Anchor & Anvil, LLC focuses on placing debt capital for businesses in various industry sectors & for commercial real estate investors & operators seeking competitive terms & fast closing time frames. Anchor & Anvil correspondent relationships developed over the years include agency lenders, life companies, credit unions, & specialty lending firms.
(801) 893-0697 857 miles Lender's profile and map Reviews NEO Home Loans One Mid America Plaza, Suite 800, Oakbrook Terrace, IL, 60181 NEO represents the new way of doing home loans. We advise you how to pay off your mortgage and consumer debts faster and with much lower cost – all while maximizing your wealth. We focus on your long-term, comprehensive wealth strategy over the short-term mortgage transaction. Founded in 2021.
(630) 793-8000 857 miles Lender's profile and map Reviews Universal Mortgage Partners Inc 17 West 220 22nd Street, Suite 250A, Oakbrook Terrace, IL, 60181 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(630) 225-7374 857 miles Lender's profile and map Reviews Peoples Home Equity, Inc. 1801 S Meyers Rd, Suite 500, Oakbrook Terrace, IL, 60181 The Peoples Home Equity Inc Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Illinois. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan.
312 517 0676 857 miles Lender's profile and map Reviews Constructive Capital 1801 S. Meyers, Suite 400, Oakbrook Terrace, IL, 60181 At Constructive, our mission is to help the residential real estate investor by providing an easy process, competitive pricing, and expansive programs to meet all of their financing needs. Whether it’s fix to flip or buy to hold, we are committed to providing the right solutions for our clients.
800-403-9491 857 miles Lender's profile and map Reviews Private Lending Group 18W140 Butterfield Rd., Villa Park, IL, 60181 We are income or credit driven for our loans. These loans are perfect for investment projects or cash out on free and clear properties. Most loans close in 7-14 days. All loans will be considered, and are based on EQUITY, exit strategy, value, and ability to demonstrate repayment of the loan.
(269) 945-2401 857 miles Lender's profile and map Reviews Highpoint Community Bank 150 West Court Street, Hastings, MI, 49058 Highpoint Community Bank was founded as Hastings City Bank in 1886 when 35 Hastings investors provided the initial capital of $50,000. At the time, we served the town and community of Hastings with its economy driven mostly by sawmills. As our bank grew through the years, we expanded into Middleville, Caledonia, Nashville, Bellevue and beyond.
(269) 948-8369 857 miles Lender's profile and map Reviews Thornapple Credit Union 202 E Woodlawn Avenue, Hastings, MI, 49058 Thornapple Credit Union has been open since 1964. The credit union has assets totaling $57.82 Million and provides banking services to more than 7, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.