FHA Vs. USDA loan program for Lakeland, Polk County, Florida

In 2025, USDA loan limit in Lakeland, county of Polk, FL is $336,500 while FHA limit is $472,030 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.

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USDA and FHA loan options in Lakeland, 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.

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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.

(813) 629-1111 447 miles Lender's profile and map Reviews Synergy Lending Corporation 3575 Guildhall Trail, Marietta, GA, 30066 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.
(803) 432-2265 447 miles Lender's profile and map Reviews First Palmetto Bank 407 DeKalb Street, Camden, SC, 29020 First Palmetto Bank, one of South Carolina’s oldest financial institutions remains headquartered in the state’s oldest inland city of Camden. First Palmetto has grown to become one of the largest locally owned full-service financial institutions headquartered in South Carolina, with twenty-three branch locations across the state.
(706) 376-6961 448 miles Lender's profile and map Reviews North Georgia Credit Union 249 East Franklin Street, Hartwell, GA, 30643 North Georgia Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder – or an owner – of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
(706) 376-4570 448 miles Lender's profile and map Reviews Your Money Center LLC 25 Old Highway 29, Hartwell, GA, 30643 Your Money Center LLC We are a full-service tax and accounting firm with three convenient locations in Hartwell, Elberton and Toccoa, Georgia. It is our mission to go above and beyond the normal expectation of a tax preparation, booking and payroll firm by providing exceptional customer service
(877) 455-0440 448 miles Lender's profile and map Reviews Direct Lenders, LLC. . 1600 Kennesaw Due West Rd NW, Suite 610, Kennesaw, GA, 30152 Direct Lenders, LLC is a locally owned, but nationally known mortgage lending company located in Kennesaw, Georgia. The company was started in 2011 when CEO, Randy Bristol and President, Kevin Bonds turned their lives work into their dream of owning a successful and honest company.
(256) 362-2334 449 miles Lender's profile and map Reviews The First Bank of Alabama 120 East North Street, Talladega, AL, 35160 Founded in 1848, FNB is the oldest continuously operating bank in the state of Alabama. We are proud to be a member bank of the FDIC and an Equal Housing Lender. Our focus is on the Talladega, Lincoln and Munford communities in North Talladega county as well as the surrounding areas. We are a full service bank catering to both consumer
(256) 245-5887 449 miles Lender's profile and map Reviews Sycamore Federal Credit Union 18070 AL-21, Talladega, AL, 35160 We started out in 1945, in a 748 sq. ft. building in the mill village of Sycamore and have expanded to now (2022) a 4,922 sq. ft. building that we own in Sycamore right off of Alabama Highway 21. This growth has been obtained because of management and because our employees treat members like family, not as numbers.
(404) 836-1010 449 miles Lender's profile and map Reviews Assertive Mortgage LLC 3105 Creekside Village Drive, Suite 706, Kennesaw, GA, 30144 Assertive Mortgage has redefined homeownership with modern technology. We believe homeownership should be faster, simpler, and more affordable to get a mortgage in America. Our digital mortgage platform helps borrowers process information on the loan application. We’re changing the way traditional mortgage process from being stressful.
(954) 682-9952 450 miles Lender's profile and map Reviews Regent Mortgage Corporation 980 Birmingham Road, Suite 501-356, Milton, GA, 30004 Regent Mortgage Corporation (RMC) is a Mortgage Company that prides itself on exceptional client service, competitive rates, and the delivery of customized home mortgage solutions the RIGHT way. We recognize this is a new era in mortgage lending and we’ve built our team, process and service delivery model with this in mind
(800) 588-5919 450 miles Lender's profile and map Reviews Performance Lending 2190 Brandon Trail, Suite 1, Alpharetta, GA, 30004 Welcome to Performance Lending, where we specialize in residential mortgages. At Performance Lending, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
(678) 762-0127 450 miles Lender's profile and map Reviews Good Friend Mortgage Inc. 902 Abbey Court, Alpharetta, GA, 30004 "Good Friend Mortgage is a residential home loan mortgage company that focuses on helping people build wealth through honest and transparent real estate financing in the Atlanta region, Georgia and Florida. Good Friend Mortgage was founded in 2004 by Deborah Switts in Roswell, GA."