USDA Vs. FHA Pro and Con comparison in Rockford, Winnebago County, IL
For the year 2025, the maximum loan limit set by the USDA for properties in Rockford, within Winnebago County, IL, stands at $336,500. In contrast, the FHA sets its limit at $472,030 for homes designed for single-family units.
With the Lendersa® USDA loan calculator, you can effectively compare the most competitive rates available today between USDA and FHA options. This tool helps you understand the income required, alongside necessary credit scores, financial reserves, and detailed documentation needed to meet qualification criteria. Our state-of-the-art mortgage calculator presents USDA, FHA, Conforming, and VA loans side-by-side, empowering you to make an informed decision regarding the most suitable loan program for your specific financial requirements in , tailored precisely to your unique circumstances.
2025 Loan Limits and Down Payment Specifications in Rockford, Winnebago County, IL
Loan Type
Loan Limit
Down Payment Requirement
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Understanding USDA and FHA Loan Opportunities in Rockford, IL
The mission at Lendersa® is to swiftly connect you to the most beneficial USDA or FHA loan options, minimizing hassle and optimizing efficiency. Initiate your process by selecting one of three tailored starting pathways, each leading you to match with relevant lenders and comprehensive USDA loan programs.
A USDA home loan is a distinctive mortgage option guaranteed by the U.S. Department of Agriculture. Commonly referred to as the USDA rural development loan, this mortgage is specifically available in rural neighborhoods. It stands apart from FHA loans, which require a minimum down payment of 3.5%, as USDA loans demand absolutely no down payment. This makes them incredibly appealing to individuals seeking housing opportunities in designated rural areas.
We are committed to helping you and putting your best interests first! Each client is unique and viewed as an opportunity to add value by finding the best loan product for each individual borrower’s specific financial goals, offering wholesale pricing on interest rates and the lowest transaction costs, while providing financial education.
Eagle Home Loans was founded by Jon Jacobs in 2017. Jon has been an East Texas (Tyler) resident since 1978. He earned his BSBM and MBA from LeTourneau University. Jon Jacobs goal is to achieve this through relationship building discussions with my clients, while understanding their desires, needs and future plans, and explain the lending process.
100 Independence Place, Suite 308, Tyler, TX, 75703
Avenue Mortgage team, we have a great passion for our work. Mortgage information is everywhere, but mortgage wisdom is rare. Our goal is to understand the needs of our clients and to provide the best mortgage solutions at the most competitive rates. Our commitment is to deliver what we promise and we are dedicated to providing,
6115 New Copeland Road, Suite 140, Tyler, TX, 75703
At Crosspoint Lending we pride ourselves in delivering clients the best service & experience through focusing on core values: WORK ETHIC RESPECT & EXPERIENCE. Those 3 key characteristics along with family values are the foundation in which CLG is built upon. Crosspoint Lending is passionate about helping YOU find the best mortgage
7428 Old Jacksonville Hwy, Suite 80, Tyler, TX, 75703
The Mortgage House is a locally owned and operated mortgage brokerage firm. We specialize in Conventional, FHA, VA and USDA home loans. Whether you're looking to purchase or refinance we're here to walk you through the process! We will treat you with the respect due an esteemed customer and give you the personal service you deserve.
Tyler Lending Group, we’ll work hard to help you find the right home loan for your needs. We will shop our extensive network of competitive nationwide mortgage lenders to find the perfect mortgage for you. We work hard to help our clients find and secure the very best terms and rates available.
Brewton Mill Federal Credit Union was started in 1959 as Brewton CCA Federal Credit Union. In 1999 we changed our name to Brewton Mill Federal Credit. Today our membership includes: Employees of Smurfit-Stone Container Corporation Brewton Mill, Brewton Mill Federal Credit Union Employees, Members of their immediate families
The first president of Bank of Brewton was Charles L. Sowell. He was employed in the milling and lumber business until the Civil War broke out. He took part in the bloody battles of Murfreesboro, Mission Ridge, Lookout Mountain, Chichamauga, Franklin, and Nashville. In the Nashville battle he lost his left arm when a rifle ball shattered it.
Janet formed the first-ever independent mortgage business in Hudson, NY and over the years has cultivated strong relationships within the local banking, legal and real estate communities. Janet began her career working as a Loan Counselor for Home & City Savings Bank and soon came to the realization that a choice of loan programs
Valley Mortgage Company, Inc. arranges for loans with third party providers who offer a full spectrum of loan products including the following: conventional fixed and variable rate conforming and jumbo loans, Federal Housing Administration (FHA) insured loans, Veterans Administration loans, RHS Guaranteed loans (100% Financing and more
1750 Valley View Lane, Suite 110, Farmers Branch, TX, 75234
Southwest Financial is “Better Banking for Kroger Associates”. We were chartered in November 1962 as Kro-Dal (Kroger-Dallas) Federal Credit Union. Southwest Financial opened for business in the early months of 1963. At that time, only Kroger associates and their immediate family members were eligible to join
360 Home Lending is a minority-owned mortgage company with a focus on diverse markets throughout the DFW metroplex. Our unique customer-centric, technology-enhanced approach provides a seamless and consistently stress-free experience for customers, from 1st time homebuyers to sophisticated property investors
