USDA and FHA Pro and Con in Valparaiso, Okaloosa County, FL
For 2025, the USDA loan cap in Valparaiso, within Okaloosa county, FL is set at $431,400; however, the FHA limit for a single-family home is $603,750.
Leverage the Lendersa® USDA loan calculator to contrast the top USDA versus FHA rates today. This allows you to ascertain the income, credit, reserves, and documents essential for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, facilitating your decision on which program in best suits your financial needs.
2025 loan thresholds and downpayment criteria in Valparaiso, county of Okaloosa, FL
Loan Type
Loan Limit
Down payment
USDA
$431,400
0%
FHA
$603,750
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA loan solutions in Valparaiso, FL
Lendersa® aims to swiftly connect you with the optimal USDA or FHA loans, minimizing hassle. Begin with one of three starting points to get matched with lenders and USDA loan programs.
The USDA home loan, backed by the government's Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require a minimal down payment of 3.5%, USDA loans do not necessitate any down payment.
2139 Tapo Street, Suite 115, Simi Valley, CA, 93063
Greenback Funding, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
Acadia Financial, Inc. is committed to providing the highest quality home loans, the lowest rates, and unparalleled personal service. Whether you’re a first time home buyer, purchasing your dream home or refinancing, our highly experienced team will ensure a smooth transaction. We have over 26 years in the lending industry
At R&G Financial Services, our first priority is our relationship with you, the client. Our diverse staff not only reflects years of mortgage and financial experience, but the flexibility to accommodate a wide variety of challenges. We pride ourselves in recognizing and servicing every borrower's unique needs.
1409 Kuehner Dr, Suite 103, Simi Valley, CA, 93063
American Elite Mortgage is a leading California mortgage provider, specializing in purchase loans, refinancing, and creative lending solutions. American Elite Mortgage is recognized as an industry leader, with a reputation for integrity, honesty, and consistency. We have strong relationships with multiple investors
28632 Roadside Drive, Suite 265, Agoura Hills, CA, 91301
Medallion Mortgage Company was originally founded in 1958 as a family owned mortgage bank. It expanded nationally, opening branches from Honolulu, Hawaii to Salem, Massachusetts. At the time of its sale in 1995, it was one of the largest privately held, full-service mortgage banks in the United States.
28720 Roadside Drive, Suite 229, Agoura Hills, CA, 91301
Mortgage Mavens has been committed to helping you achieve that dream since 1994. Working with lenders from across the financial world, we're here to meet your individual needs. We make the process of getting a mortgage simple and straightforward by offering state-of-the-art financial tools to help you make sound financial choices.
28310 Roadside Drive, Suite 229, Agoura Hills, CA, 91301
We are a United Wholsale Mortgage partner so that we may help provide financing that the Banks find too challanging.Also many sellers employ Revers Mortgages to reduce expenses when retired or for the tax benefits.Many Buyers have equity in their homes that permits them to do cash out refis, reducing payment to almost a third of what a regular bank
Buywiser's mission is to serve our customers with honesty, integrity, and competence. Our team's goals are 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.
28632 Roadside Drive, Suite 130, Agoura Hills, CA, 91301
Premier Funding has been helping homeowners streamline the process of real estate financing to ensure fast, efficient and price competitive closing. We use the latest technology to process applications.
Throughout the process we will answers questions and keep you informed of the progress of your loan
30423 Canwood Street, Suite 227, Agoura Hills, CA, 91301
Integrity First Mortgage Solutions (IFMS) brings over two decades of lending experience. The owner and Founder of IFMS, Lee Appleby, enjoys a reputation as one of the premier Mortgage Experts in the nation, and is sought out by real estate professionals, other mortgage professionals and business and financial advisors to secure optimal mortgage.
