FHA Vs. USDA loan program for Mount-Vernon, Jefferson County, Illinois

As of 2025, the USDA loan limit in Mount-Vernon within Jefferson county, IL, is $285,000. For a single-family home, the FHA limit is $356,362.

Utilize the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates, determining the required income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator allows side-by-side comparison of USDA, FHA, Conforming, and VA programs, guiding you in choosing the most suitable option for your financial needs in .

USDA and FHA Loan Options in Mount-Vernon, IL

Lendersa®'s objective is to efficiently provide you with an optimal USDA or FHA loan without hassle. Begin with one of three paths to connect with matching lenders and USDA loan programs.

Understanding USDA Loans in IL

The USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA mortgages require no down payment at all.

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(347) 765-0555 Lender's profile and map Reviews MK Capital Funding 3908 24th St Ste 5 , Long Island City, NY, 11101 MK Capital Funding is a one-stop lending company that focuses on investor’s needs and goals. We place “customers first” and do everything possible to provide great service, competitive rates and terms; as well as advice. We understand that projects are complex and that the lending process can be confusing sometimes.
(212) 935-9999 Lender's profile and map Reviews EZ Short Sales 3302 Skillman Ave, 2nd Floor, Long Island City, NY, 11101 EZ Short Sales connects home owners and buyers with specialized short sale specialists in their local market area. Users can search any city nationwide and quickly compare the local specialists, and choose the right specialist to work with. Most users search our site to find an specialist to help them Short Sale their home.
(718) 267-2562 Lender's profile and map Reviews Alma Bank 31-10 37th Avenue, Suite 400, Long Island City, NY, 11101 Alma Bank is a community bank that offers personal and business banking services. The bank was founded in 2007 and is based in Astoria, New York. We have a network of 13 branches in New York and New Jersey. For more information please visit us on the web at almabank.com or call our Customer Care
(347) 686-6000 Lender's profile and map Reviews UNFCU 24-01 44th Road, Long Island City, NY, 11101 he United Nations Federal Credit Union (UNFCU), founded in 1947, is a member-owned, not-for-profit cooperative that offers a range of banking, investment and insurance products and services to the global UN community. We have more than 155, 000 members in over 200 countries, assets in excess of USD $6B, and more than 600 employees.
(212) 740-0900 Lender's profile and map Reviews Neighborhood Trust Federal Credit Union 1112 St Nicholas Avenue, New York, NY, 10032 Neighborhood Trust Federal Credit Union is a federally-regulated nonprofit financial institution serving Upper Manhattan since 1997. We are one of over 200 community development credit unions in the U.S. with a shared commitment to economic opportunity. Our Credit Union services are tailored to the nontraditional behavior of the financially underse
9174009700 Lender's profile and map Reviews Lendiqo Inc 2435 E 64th St, Brooklyn, NY, 11234 Lendiqo is a forward-thinking real estate lending company designed to empower investors with fast, flexible, and strategic financing solutions. Built by industry experts, we specialize in funding fix-and-flip projects, rental property acquisitions, multifamily developments, and commercial real estate investments.
(347) 533-6261 Lender's profile and map Reviews SBA Loan Group 1650 Eastern Parkway, Suite 207, Brooklyn, NY, 11233 SBA Loan Group was founded in 2012 to guide small business owners about the SBA loan program and how it works. We specialize in SBA loans, and you are not just a number on a check l-list, but a client and can have personalized attention because each deal is unique for us. Yankie Markowitz is the Chief Executive Officer of SBA Loan Group.
(718) 570-5131 Lender's profile and map Reviews Lamar M. Collins, CMPS 197 Ralph Avenue, Ground Floor, Brooklyn, NY, 11233 Our mission is to serve our customers with honesty, integrity & competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates & closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. All loans arranged with third party providers.
(347) 533-9456 Lender's profile and map Reviews GCT Mortgage Brokers LLC 253 Ralph Avenue, Suite 100, Brooklyn, NY, 11233 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.
(308) 436-5024 Lender's profile and map Reviews Banner Capital Bank 205 State St, Harrisburg, NE, 69345 In 1964, we opened our doors under the brilliant blue skies of Harrisburg, Nebraska—a rural farming community in the heart of The Nebraska Panhandle. One firm handshake at a time, we earned the trust of our customers, allowing us to expand and create new relationships around Nebraska and then into Wyoming.
(718) 726-8181 Lender's profile and map Reviews Foxx Capital Funding, Inc 34-03 Broadway, Astoria, NY, 11106 We provide a full range of services to meet your mortgage needs. Foxx Capital Funding Inc. is a New York State Registered Mortgage Broker with a large selection of programs. We have an excellent working relationship with many lenders, and have the knowledge to select the right program to fit the borrowers needs.
(210) 734-4311 Lender's profile and map Reviews Jefferson Bank 1777 Northeast Loop 410, San Antonio, TX, 78217 Jefferson Bank is a family-owned bank serving communities in San Antonio and surrounding areas in the Texas Hill Country. Through the years, Jefferson Bank has created an elite team of highly skilled, family oriented and civic-minded individuals who contribute to the Bank continuing success.