USDA Loan Vs. FHA loan for Freeport, IL [Stephenson County ]

In 2025, USDA loan limit in Freeport, county of Stephenson, IL 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 Freeport, IL

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 Illinois?

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.

(704) 703-8229 683 miles Lender's profile and map Reviews TruLoan Mortgage 1515 Mockingbird Lane, Suite 880, Charlotte, NC, 28209 We founded TruLoan Mortgage to create a lending experience that everyone involved will love. With a fundamental belief that the American Dream includes home ownership and that home financing can be as positive and enjoyable an experience as choosing your dream home, we formed TruLoan Mortgage.
(315) 437-0001 683 miles Lender's profile and map Reviews Quickline Capital Partners, Inc 4713 Crossroads Park Dr, Suite 101, Liverpool, NY, 13088 We help individuals and corporate borrowers secure the necessary capital, whether they need a refi, a stated income loan, fix-and-flip financing, or improvement financing. While some properties are harder to finance than others, most anything can be financed with some expert help. We can finance.
(800) 343-8979 683 miles Lender's profile and map Reviews Paragon Home Loans, Inc 225 Greenfield Parkway, Suite, Suite 207, Liverpool, NY, 13088 Paragon Home Loans, Inc. is a licensed mortgage banker by the New York State Department of Financial Services. Founded in 1976, Paragon Home Loans focuses exclusively on the residential mortgage needs of its customers. We have eight convenient locations in Syracuse, Buffalo, Plattsburgh, Binghamton, Utica, Lake Placid, Cortland and Corning.
(605) 923-1405 683 miles Lender's profile and map Reviews Sentinel Federal Credit Union 22752 Mule Deer Trail, Box Elder, SD, 57719 Sentinel Federal Credit Union has been guarding and protecting the financial well-being of our members since 1955. As a community Credit Union, many of us were born and raised in the communities that we serve. Because of that, we make our decisions right here at the Credit Union. Some places have local branches. We have local roots.
(704) 375-3950 683 miles Lender's profile and map Reviews Charlotte Fire Department Credit Union 2121 Commonwealth Avenue, Charlotte, NC, 28205 Since 1936, the Charlotte Fire Department Credit Union has provided financial solutions to our members/owners. We are a not-for-profit financial cooperative, which means that our goal is to meet your needs with extraordinary personal service. Employees of the Charlotte Fire Department and their families, as well as volunteer firefighters
(980) 242-3439 683 miles Lender's profile and map Reviews QC Lending, LLC 1111 Hawthorne Lane, 2nd Floor, Charlotte, NC, 28205 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.
(704) 559-9894 683 miles Lender's profile and map Reviews On Point Home Loans, Inc. 1200 The Plaza, Suite G2, Charlotte, NC, 28205 "On Point Home Loans, Inc. is an independent mortgage firm that is locally owned and operated in Charlotte, North Carolina. Our mission to empower each client to make the best decisions for their individual financial futures. After years of working for large banks and retail lenders, the founders of On Point saw a considerable amount of time"
704 631 9276 683 miles Lender's profile and map Reviews Leverage Lending Group 5309 Monroe Rd. Ste C, Charlotte, NC, 28205 Leverage Lending Group, LLC specializes in refinance and purchase money loans for conventional, FHA, VA, USDA, residential, commercial, jumbo and super jumbo financing. In addition we offer hard money investment rehab financing and IRA Non Recourse loans. We offer the competitive rates for refinance and purchase money loans with credit score requir
(701) 824-2593 684 miles Lender's profile and map Reviews Commercial Bank of Mott 325 Brown Avenue, Mott, ND, 58646 Since 1940 the Commercial Bank of Mott has been a part of this community and has grown with the needs of our customers with full array of traditional banking services including leading edge technology and friendly service. There’s something special about banking with the Commercial Bank of Mott.
(903) 784-0881 684 miles Lender's profile and map Reviews First Federal Community Bank, SSB 630 Clarksville St, Paris, TX, 75460 A group of local businessmen came together in May 1922 to form Paris Building and Loan Association. The original mission of the organization was to lend money for building, improving, and paying debts on homesteads and to lend money to members of the Association. First Federal Community Bank is proud to be the hometown bank of choice.
(903) 785-6682 684 miles Lender's profile and map Reviews Northeast Texas Teacher's Credit Union 3320 Lamar Avenue, Paris, TX, 75460 Our pledge is to provide the very best financial services, using sound business practices in the most professional & friendly manner possible. Your privacy is important to NETTFCU. We do not give out any non-public personal information to anyone except as permitted or required by law & to 3rd parties as needed to conduct business on your behalf.