USDA Loan Vs. FHA loan for Spencer, MA [Worcester County Rates 2023]

In 2025, USDA loan limit in Spencer, county of Worcester, MA 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 Spencer, MA

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 Massachusetts?

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.

(323) 505-2600 2540 miles Lender's profile and map Reviews Cal State L.A. Federal Credit Union 2445 Mariondale Ave, Los Angeles, CA, 90032 Our main office rests centrally located in the community where we not only serve the university, but also important affiliates like Grifols, Goodwill, and municipal employees. For convenience, we have an office on campus to serve the growing student population. While we grow as a credit union, our mission has always been to provide economic growth
(818) 248-7425 2540 miles Lender's profile and map Reviews Glendale Area Schools Credit Union 1800 Broadview Drive, Glendale, CA, 91208 Two Glendale Unified Schools District teachers started Glendale Area Schools Credit Union in 1937. Since then, we continue to support the needs of our local schools and to our local community. We support our school relationships in many ways to ensure the financial needs of School Employees, PTA, Students
818-929-6588 2540 miles Lender's profile and map Reviews Great American Financial Services 3200 La Crescenta Avenue, Suite #202, Glendale, CA, 91208 Great American Financial was founded in 1991 and has since been an industry leader in real estate mortgage financing. The team or family as we like to call ourselves has over 125 years combined lending experience. This expertise matched with our extensive lending relationships gives our clients the highest probability for a successful funding.
818 248 0000 2540 miles Lender's profile and map Reviews V.I.P. Trust Deed Company 3221 N. Verdugo Road, Glendale, CA, 91208 The V.I.P. group of companies maintains a level of excellence unsurpassed in our industry. In this industry, reputation is everything and our name is synonymous with quality, experience and integrity. Fortunately, we started our operations in a fairly small geographic community (Glendale, Burbank, La Crescenta, La Canada, Sunland, Tujunga) and
(949) 289-7410 2540 miles Lender's profile and map Reviews Del Financial, Inc. 11508 Rosecrans Ave, Norwalk, CA, 90650 Del Financial, Inc, a Southern California based mortgage corporation, was founded in 1981 and incorporated in 1996. We have over 30 years of professional mortgage experience; our management team, associates, and staff have flourished through every type of market fluctuation and have continually delivered great service
(562) 474-1500 2540 miles Lender's profile and map Reviews Norwalk Loan Company 11985 Firestone Blvd, Norwalk, CA, 90650 Norwalk Loan Company was established in 2016 in order to bring a new face to the pawn brokerage industry. With over 10 years of experience, our knowledgeable and friendly staff will ensure to guarantee your satisfaction for your lending needs. Our specialties include precious metals, rare coins and other numismatics.
(858) 401-3332 2540 miles Lender's profile and map Reviews The Gill Group 485 E. 17th Street, Suite 200 & 202, Costa Mesa, CA, 92627 our full loan approval process is unique in comparison to the average lender's pre-approval process. My team is structured to provide a high level of customer service. Please contact us to inquire about the advantages of our VIP buyer program!”val process is unique in comparison to the average lender's pre-approval process.
(800) 745-9280 2540 miles Lender's profile and map Reviews American Heritage Lending 485 E 17th Street, Suite 220, Costa Mesa, CA, 92627 American Heritage Lending is a retail mortgage company headquartered in Costa Mesa, CA. Established in 2004, American Heritage Lending was founded to be a company set apart from an already impacted market. Licensed in multiple states across the US, the premise of our company evolved into the pinnacle for our success.
(949) 346-3751 2540 miles Lender's profile and map Reviews Jewelry-N-Loan 1872 Newport Blvd., Costa Mesa, CA, 92627 Jewelry-N-Loan is a one-of-a-kind, family-owned jewelry store and pawnshop located in Costa Mesa, California. We pride ourselves on being the leading resource in Orange County for purchasing, selling, trading, and lending against fine watches, gold, coins, diamonds, and jewelry. Our history starts with our family that has been proudly serving the p
(949) 650-7581 2540 miles Lender's profile and map Reviews Coast Jewelry & Loan 1836 Newport Blvd, Costa Mesa, CA, 92627 Our business is the oldest Collateral Brokerage in Orange County and is still family owned, operated and running! Not many business operations can say they have done so for almost 70 years and still stay under the same ownership. Orginally located in Santa Ana, our business moved in 1995.
(888) 511-1950 2540 miles Lender's profile and map Reviews Fund USA Corp. 2183 Fairview Road, Unit 217-D, Costa Mesa, CA, 92627 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.