USDA Loan Vs. FHA loan pro & con Pretty-Bayou, Bay County, FL

For 2026, the loan limit for USDA in Pretty-Bayou, part of Bay, FL, is $285,000, while the FHA limit for a single-family home is $356,362.

Leverage the Lendersa® USDA loan calculator to compare today’s leading USDA and FHA rates. Determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in suits your financial situation best.

Exploring USDA and FHA Loan Options in Pretty-Bayou, FL

Lendersa® aims to efficiently provide you with the best USDA or FHA loan options without hassle. Start by choosing one of three pathways that connect you with matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

About USDA Loans in FL

A USDA home loan, supported by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans needing a minimum of 3.5% down payment, USDA loans require no down payment.

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(702) 912-0118 Lender's profile and map Reviews Battle Born Capital, LLC 8930 Spanish Ridge Ave, Las Vegas, NV, 89148 Battle Born Capital was founded by a team of industry leaders who know the Southern Nevada trust-deed investing landscape better than anyone. Our owners and principals are professionals from the real estate, legal, accounting and mortgage lending industries who have been through –and understand--
(702) 604-5472 Lender's profile and map Reviews Merit Lending LLC 9960 West Cheyenne Avenue, Suite 240, Las Vegas, NV, 89129 "Merit Lending is a full-service mortgage company based in Las Vegas, NV. We specialize in home loans and refinancing in Nevada and California. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or help you with your refinancing needs. In terms of Purchase Loan programs, we off
(702) 996-3101 Lender's profile and map Reviews HighTechLending - Las Vegas 1180 North Town Center Dr, Suite 100, Las Vegas, NV, 89144 We are an FHA Approved Mortgage Bank and Direct Lender providing FHA, VA, USDA, 203K, Conventional, Jumbo, Streamline Refi, and Reverse Loans. Founded by Don Currie and Erika Macias, our winning strategy consists of a carefully crafted blend of excellent price, niche product offerings, and exceptional customer service.
(419) 367-6700 Lender's profile and map Reviews The DM3 Group 11700 W. Charleston Blvd, Suite 170, Suite 105, Las Vegas, NV, 89135 The DM3 Group is proud to offer some of the most innovative loan products in the market place today. With over 25+ years of experience in lending, we aim to be your first phone call when considering any loan. We promise to be honest, efficient and courteous to all our clients. There will be no time wasted while working with us.
(775) 954-1050 Lender's profile and map Reviews Lisa Fleck 1980 Festival Plaza Drive, Suite 330, Las Vegas, NV, 89135 Lisa Fleck, Producing Branch Manager and Certified Divorce Lending Professional, has been in the mortgage business for over 20 years. She has been a nationally ranked top 1% loan originator for the past 6 years, and helps over 120 families annually with all facets of residential real estate financing.
(702) 715-8628 Lender's profile and map Reviews The Mevorah Team 10777 W Twain Ave, Suite 220, Las Vegas, NV, 89135 "The Mevorah Team has over 20 years of experience and its loan originators rank consistently in the top 1% nationwide. JASON MEVORAH is the owner and LOAN ORIGINATOR We strive to provide this level of service all while offering a competitive interest rate that you might not expect from a high-touch community lender."
(702) 847-7477 Lender's profile and map Reviews SimpliFi Mortgage LLC 10100 West Charleston Boulevard, Suite 100, Las Vegas, NV, 89135 Our mission is to make the mortgage approval process as painless as possible. Finding the right home is stressful enough, the financing shouldn’t be! We’ve streamlined the mortgage application process so you can submit all the required documentation without the hassle. Our convenient online application generates an instant pre-approval.
(760) 623-1050 Lender's profile and map Reviews Nava Commercial Capital & Real Estate Inc. 578 G Street, Brawley, CA, 92227 At Nava Commercial Capital & Real Estate Inc. We are a full-service mortgage company based in Brawley, California. We specialize in Residential Loans, Hard Money, Commercial Loans, and Business Loans. Whether you are buying a home or refinancing, we can help you realize your dream of home ownership or save you money
(760) 427-3610 Lender's profile and map Reviews American Group 1074 E. Cole Rd, Suite 14, Calexico, CA, 92231 American Group Realtors has been open for business since 1997. Its professional team of licensed real estate agents, bilingual staff and broker/president, Manny Hernandez, are ready to serve the community at large who is looking to buy or sell in a challenging residential & commercial real estate market,
(760) 352-7777 Lender's profile and map Reviews Community Valley Bank 1443 Main Street, El Centro, CA, 92244 The team here at Community Valley Bank strives to provide the best service possible to our customers. Come visit with one of our team members to see if we can provide your needs for you! At Community Valley Bank, we understand the personal nature of your financial decisions. We offer a complete menu of deposit, lending, and investment products.
(406) 547-3331 Lender's profile and map Reviews Bank of The Rockies 205 West Main Street, White Sulphur Springs, MT, 59645 We are a full-service bank with offices in Bozeman, Clyde Park, Emigrant, Helena, Lewistown, Livingston, and White Sulphur Springs. Our goal is to be the strongest financial partner that our community has by priortizing community involvement and service. As the oldest bank in Montana, we are constantly trying to improve the way we serve.