USDA and FHA Pro and Con in Albemarle, Stanly County, NC

In 2025, USDA loan limit in Albemarle, county of Stanly, NC 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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2025 loan limits and downpayment requirments in Albemarle, county of Stanly, NC

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Albemarle, NC

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.

Lendersa USDA loan request and matching results

What is USDA Loan in North Carolina?

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Larry the mortgage guy
  • 8585 Broadway, Suite 600, Merrillville, IN, 46410
  • I'm Larry the Mortgage Guy, and I'm Here To Help You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate and It's easy to reach me - feel free to call me direct or if you prefer you
  • Insight Mortgage
  • 8101 Polo Club Dr, Suite A, Merrillville, IN, 46410
  • 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.
  • Region Mortgage
  • 9111 Broadway, Suite H, Merrillville, IN, 46410
  • Region Mortgage specializes in Conventional, FHA, JUMBO, USDA, and VA financing. We custom tailor each loan program to make sure it is the right fit for our clients. We will walk you through the process to make sure you are informed along the way and have all of the adequate knowledge to select the right loan product for you and your family.
  • First Community Bank of Hillsboro
  • 807 South Main Street, Hillsboro, IL, 62049
  • First Community Bank of Hillsboro was organized, chartered and opened in 1998 by a group of local investors who felt the need for a locally owned and operated bank. In March 2002, the former Bass Funeral Home, with all its beauty and local history, became the new home of First Community Bank of Hillsboro.
  • Bank of Hillsboro
  • 230 S Main St, Hillsboro, IL, 62049
  • Bank of Hillsboro, previously known as, National Bank, is headquartered in Hillsboro, Illinois with 11 branches serving South Central Illinois. Bank of Hillsboro is locally owned by and operated. We believe our local ownership provides valuable Insight into the needs of our communities.
  • Midwest Family Federal Credit Union
  • 2832 Willowcreek Road, Portage, IN, 46368
  • Midwest Family Federal Credit Union came to be as a result of employees of Midwest Steel looking for convenient ways to do their banking. This vision came to life thanks to George Paulsen and Mel Edwards along with Rudy Geissler, Oscar Klements, Harry Jones, Robert Malis, and Robert Hale.
  • GESB Sheet Metal Workers Federal Credit Union
  • 6450 Ameriplex Drive, Portage, IN, 46368
  • GESB Sheet Metal Workers Federal Credit Union has serviced its members and their families since 1960. We continue to offer very competitive rates and unique services to meet the needs of our members. Membership in the Credit Union is open to anyone working at any of our select employee groups and their immediate family members.
  • Sunbelt Federal Credit Union
  • 734 Sawmill Road, Laurel, MS, 39440
  • At Central Sunbelt, we have tons of great options to buy, build, or enhance your home to fit your lifestyle and wallet. Flexible loan options paired with competitive rates and as little as zero down payment allow new or seasoned home-buyers to make the right decision for their home. We are excited to get started on making your dreams come true.
  • Crosspoint Federal Credit Union
  • 105 Sanford Street, Hamden, CT, 06514
  • For more than 83 years, CrossPoint Federal Credit Union has found success by finding the right products for our members and not by finding members for our products. In 1936, the credit union aimed to understand the goals of teachers. Today, that level of loyalty and commitment to customizing a full scope of financial solutions spans to people.
  • New Vision Mortgage LLC
  • 800 Foxon Road East, New Haven, CT, 06513
  • "We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending.
  • Lend Some Money
  • 42 Thompson Street #1A, New Haven, CT, 06513
  • Lend Some Money provides fast hard-money loans and commercial lending on real estate property with competitive credit rates and easy terms for purchase and refinance. With over 50 years of combined experience in underwriting, originating and acquiring secured loans, Lend Some Money possesses extensive expertise necessary to competently assist you w
  • United Federal Credit Union
  • 2819 South State Street, Saint Joseph, MI, 49085
  • United was founded in 1949 by people just like you who believed in the values of the community and who believed in service to one another. We’ve been serving Members ever since, growing into who we are today with the knowledge that strength in numbers brings opportunities and prosperity to all of us.