USDA Loan Vs. FHA loan for St.-Louis, MI 2025

In 2025, the USDA mortgage ceiling in St.-Louis, located in Gratiot county, MI, is $285,000, whereas the ceiling for FHA loans is $356,362 for a single-family dwelling.

Lendersa® offers a USDA loan calculator for comparing current USDA versus FHA prime rates. It assists in evaluating income, credit score, reserves, and documentation necessary for approval. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loan options side by side, aiding you in choosing the most suitable program in for your financial requirements.

Options for USDA and FHA loans in St.-Louis, MI

The objective of Lendersa® is to swiftly secure a hassle-free USDA or FHA loan for you. Begin with one of three initial choices to connect with appropriate lenders and USDA loan schemes.

Results from Lendersa USDA loan request and matching

Defining USDA Loans in MI

The USDA home loan is a government-guaranteed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. Available solely in rural areas, this differs from FHA loans, which mandate at least a 3.5% down payment, whereas USDA mortgages require none.

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(949) 222-0240 Lender's profile and map Reviews Solomon Financial Mortgage, A California Corporation 3400 Irvine Avenue, Suite 221, Newport Beach, CA, 92660 Solomon Financial pledges to serve our clients with honest, up front, ethical information on matters pertaining to mortgage, real estate, investment and real estate finance. We pride ourselves in giving you the best consultation as if we were consulting our own family members. We are here to help you! We are A+ rated on the Better Business Bureau.
(949) 355-4431 Lender's profile and map Reviews Pacific Coast Lending 4570 Campus Drive, Suite 5, Newport Beach, CA, 92660 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.
(877) 556-2601 Lender's profile and map Reviews K Pacific Group 1300 Quail Street, Suite 275, Newport Beach, CA, 92660 Established in Newport Beach, our presence is expanding throughout California. Our goal is to provide each client with personalized, honest and ethical service through numerous quality control systems. By utilizing proven strategies that take into account the borrower's current and future financial goals,
(714) 865-6804 Lender's profile and map Reviews Utah Funding 20101 South West Birch Street, Suite 150H, Newport Beach, CA, 92660 Utah Funding opened its doors in May 2004. We tailor every loan to fit each clients needs individually. Sifting through many lenders, we are able to search through 100's of loan programs, to provide the best programs and rates available. We understand the big commitment you are making in buying a home
(866) 553-2333 Lender's profile and map Reviews Savient Financial Inc 620 Newport Center Drive, Suite 1100, Newport Beach, CA, 92660 Formerly StoneHill Capital, Inc., Mr. Burns established Savient Financial, Inc., to focus more on real estate and project financing opportunities. In 1989, his focus was on “Asset Management,” now called, Loss Mitigation. In 1992 Mr. Burns learned the art of Land Swapping, which is a technique that allows a Broker/Negotiator to contact a U.S.
(949) 910-4445 Lender's profile and map Reviews Americap Direct Funding 1201 Dove, Suite 570, Newport Beach, CA, 92660 Americap Direct Funding is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward
(877) 787-7249 Lender's profile and map Reviews Save Financial Incorporated 5 Upper Newport Plaza Drive, Suite 200, Newport Beach, CA, 92660 Save Financial, Inc. is a mortgage lending brokerage firm located in the sunny Newport Beach California. Our focus is residential purchase and refinance transactions. We are licensed with over 20 major US Lenders and can provide various programs tailor made to your mortgage needs.
(949) 345-7872 Lender's profile and map Reviews Master Key Capital 5 Upper Newport Plaza, Building 5, Suite 205, Newport Beach, CA, 92660 Master Key Capital we offer great rates with our FHA, VA, USDA, JUMBO, Interest Only and Conventional loans. We also specialize in true Stated income loans and Bank Statement loans with loans amount from $150,000.00-$5,000,000.00 plus. We help borrowers find financing from Excellent credit to Poor Credit.
(949) 852-0400 Lender's profile and map Reviews Thayer Financial Corporation 20151 SW Birch Street, Suite 200, Newport Beach, CA, 92660 Residential First Mortgage began business in 1994. From the beginning, it has been our vision to build a business from repeat clients and client referrals, ultimately creating “clients for life”. Because we do not advertise, our reputation is essential. In order to build and maintain that reputation we enter into each transaction.
(949) 548-2445 Lender's profile and map Reviews Bayshore Capital 5000 Birch Street, Newport Beach, CA, 92660 Bayshore Capital is a full service mortgage company that has one goal in mind, customer satisfaction. We do not need to be the biggest, only the best. We strive to treat every customer like a member of our own families and be sure we place them with the proper loan for their unique needs.
(949) 215-7755 Lender's profile and map Reviews Choice Financial Group 5000 Birch Street, Suite 3000, Newport Beach, CA, 92660 Choice Financial Group, is a mortgage broker and a subsidiary of California Financial Realty Inc. a privately owned company. Under the same leadership, we have been providing superior service to our clients since 1985. We also provide full Real Estate service.. We can represent buyers and sellers for any Real Estate transaction.
(949) 252-8200 Lender's profile and map Reviews The Lending Group Inc. 3400 Irvine Avenue, Suite 212, Newport Beach, CA, 92660 "We know that each customer has specific needs and we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for. With a variety of loan programs and an established network of lenders behind us"