USDA Loan Vs. FHA loan for Mount-Airy, NC [Surry County Rates 2023]

In 2025, USDA loan limit in Mount-Airy, county of Surry, NC is $285,000 while FHA limit is $356,362 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 Mount-Airy, 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.

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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.

(419) 678-2358 349 miles Lender's profile and map Reviews The St. Henry Bank 231 East Main Street, Saint Henry, OH, 45883 The St. Henry Bank is a banking company headquartered in St. Henry, Ohio, and has been serving the Mercer County, Ohio, area since its establishment in 1905. The bank provides a variety of banking services, including 24-hour automatic teller machines; Internet banking; personal banking, including checking accounts
(440) 324-3400 349 miles Lender's profile and map Reviews Achieve Credit Union 340 Griswold Road, Elyria, OH, 44035 We strive to help our members Learn, Dream & Achieve all of their life goals.As an education-based credit union, we’re committed to providing members of all ages with the tools they need to meet their financial goals.ACHIEVE provides support to social service agencies.We are actively working to increase the accessibility & usability of our website.
(440) 365-7342 349 miles Lender's profile and map Reviews Community Star Credit Union 832 Cleveland St, Elyria, OH, 44035 The credit union was founded on January 25, 1938 under the name B-W Employees Federal Credit Union by Bendix-Westinghouse Automotive Air Brake Company employees and executives. Based on their experiences with Westinghouse Credit Union, they were inspired to found a new credit union after the business merged with Bendix in 1937.
(216) 271-7111 349 miles Lender's profile and map Reviews Faith Community Credit Union 3550 East 93rd Street, Cleveland, OH, 44105 Faith Credit Union was initially organized to meet the financial needs of members of Cleveland’s Second Mt. Sinai Baptist Church. Since then the credit union, which is a not-for-profit and tax-exempt entity under the Internal Revenue Code, has expanded community-wide and now provides a full range of credit, savings, transaction services.
(216) 741-9430 349 miles Lender's profile and map Reviews Steel Valley Federal Credit Union 3840 Pearl Road, Cleveland, OH, 44109 The Steel Valley Federal Credit Union, a not for profit financial cooperative, is organized and managed to provide a safe, economical, and convenient financial institution for our membership. To promote thrift and through competitive dividends for savings, and provide economical loans with competitive interest rates.
(800) 705-4308 349 miles Lender's profile and map Reviews Secure Lending Incorporated 707 Brookpark Rd, Suite 201, Cleveland, OH, 44109 Secure Lending Incorporated’s mission is to serve our clients with honesty, integrity and competence. Our goal is to provide home loans to our clients while also providing them with some of the lowest interest rates and closing costs available. Furthermore, we pledge to help our clients overcome roadblocks that can arise while securing a loan.
(615) 540-2500 350 miles Lender's profile and map Reviews Equity Plus Mortgage Inc 4121 Clarksville Pike, Nashville, TN, 37218 Equity Plus Mortgage in Nashville, Tennessee specializes in helping aspiring homeowners and existing homeowners. We focus on all types of mortgage products that are tailored to fit your personal need. We specialize in mortgage products for new home purchases and Refinancing your existing home to help lower your monthly payment and save money.
(931) 359-4322 350 miles Lender's profile and map Reviews First Commerce Bank 500 North Ellington Parkway, Lewisburg, TN, 37091 First Commerce Bank was the dream of a group of local people who saw the need for a locally owned, locally managed community bank. With the help of over 1,000 shareholders, that dream became a reality on December 2, 2002. Our goal is to provide our community with competitive banking products that meet our customers' needs.
(256) 828-9500 350 miles Lender's profile and map Reviews North Alabama Bank 13914 Highway 231-431 North, Hazel Green, AL, 35750 North Alabama Bank has been a locally owned & operated financial institution serving Madison County and the surrounding areas since 1989. We live, work, & worship in our community. We understand the importance of community. We understand that businesses in todays environment requires advanced technology to get ahead in these ever-changing times.
(812) 372-6091 350 miles Lender's profile and map Reviews B & I Federal Credit Union 740 North Marr Road, Columbus, IN, 47201 B & I Federal Credit Union offers a variety of services, including loans, share draft accounts, savings accounts, IRA accounts, and other services designed to provide convenient, fast access to your accounts. To make banking transactions more accessible, even when you are traveling out of state or out of the country
(216) 524-8500 350 miles Lender's profile and map Reviews MGM Mortgage Company 3601 Green Road, Suite 310, Beachwood, OH, 44122 MGM Mortgage has focused on providing attentive customer service to borrowers throughout their loan process- it’s what we stand for. Nothing is more important when financing a home, than how you do it. The best financial solutions complement your current budget and can be easily adjusted when your situation changes.