FHA Vs. USDA loan program for Spencer, Rowan County, North Carolina

In 2025, the USDA loan limit for Spencer, located in Rowan county, NC, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's USDA and FHA rates. Determine the necessary income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program for your financial needs in .

Options for USDA and FHA Loans in Spencer, NC

The aim of Lendersa® is to get you the best USDA or FHA loan quickly and without hassle. Choose from three starting points that will connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

A USDA home loan, guaranteed by the U.S. Department of Agriculture—also referred to as a USDA rural development loan or USDA mortgage—is available only in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require none.

Get top 10
USDA LENDERS
customized to yout needes

(303) 768-8559 Lender's profile and map Reviews Custom Mortgage Solutions LLC 7995 South Coolidge Way, Aurora, CO, 80016 Custom Mortgage Solutions, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
7194396440 Lender's profile and map Reviews Mint Lending LLC 3578 Hartsel Dr. Ste E-620, Colorado Springs, CO, 80920 Unlock your dream home with Mint Lending! ✅ Competitive Rates, 🤝 Personalized service, and 📋 Hassle-Free Application, 👍 Fast Approval, 🌟 Trust & Transparency Experience swift approval and quick closings, so you can move into your new home sooner. 🌆 Your Dream Home Awaits! Don't miss out on the opportunity to own your dream home. Contact u
(719) 425-4221 Lender's profile and map Reviews Affinity Mortgage Brokers 7150 Campus Dr, Suite 265, Colorado Springs, CO, 80920 “Affinity Mortgage Brokers” came to be just a few years ago, but its history stretches so much further than that. Dwight Howard, President and CEO of Affinity Mortgage, has been working in the mortgage industry since the 1990s. In the beginning, he was a Soldier by day and a Home Loan Specialist by night.
(719) 963-3002 Lender's profile and map Reviews Hybrid Lending Group 3760 Misty Meadows Drive, Colorado Springs, CO, 80920 At our company, mortgage lending is in our blood. In fact, we have decades of experience in this business, with members of our team having either owned or held senior positions in numerous mortgage companies, banks, title companies, and other real estate businesses. We’ve also been property investors ourselves, and understand the importance.
(719) 590-6055 Lender's profile and map Reviews US Capital Real Estate Loans & Services Inc 1155 Kelly Johnson Blvd, Suite 111, Colorado Springs, CO, 80920 U.S. Capital has been helping individuals, families and businesses achieve their financing goals by providing purchase loans and refinances on both residential and commercial properties for over 30 years. The company is currently offering residential mortgages in the state of Colorado
(719) 573-7777 Lender's profile and map Reviews Apple Mortgage Corp 7660 Goddard Street, Suite 120, Colorado Springs, CO, 80920 We offer the lowest mortgage rates on VA, Conventional and FHA home loans in Colorado Springs. Our top priority is to provide exceptional customer service which includes the use of leading edge digital technology. We're locally owned and operated in Colorado Springs and providing mortgage services to our community since 1998.
(719) 599-5086 Lender's profile and map Reviews Springs Lending LLC 7513 Banner Court, Colorado Springs, CO, 80920 We’ve simplified the mortgage process and paired it with a level of service you expect from an elite broker. Passionate about educating our clients and earning our commission. Let’s talk about your goals, and how we can help accomplish them. It costs nothing to find out what we can do for you, and takes only a few min on the phone.
(719) 590-6075 Lender's profile and map Reviews Countryside Lending Inc 1155 Kelly Johnson Blvd, Suite 111, Colorado Springs, CO, 80920 We have the knowledge and ability to help you achieve your goals. Whether you’re Purchasing your first home, investment property, or Refinancing your existing home, it can become complex very quickly unless you have the right team of professionals behind you. We offer you the tools and information needed to make an educated decision.
(719) 260-7777 Lender's profile and map Reviews PenTrust Mortgage Group 1755 Telstar Dr, Suite 109, Colorado Springs, CO, 80920 At PenTrust, we are driven to deliver a seamless and stress free loan approval process when financing your new or existing home. Our experienced team will provide the knowledge and guidance necessary to ensure a smooth experience while our vast product offerings ensure we match you to the perfect loan.
(719) 331-1495 Lender's profile and map Reviews A Plus Mortgage, LLC 1880 Office Club Point, Suite 1200, Colorado Springs, CO, 80920 This company was founded on 35 years of experience in the mortgage lending industry. We strive to take care of and support your needs now and in the future because, A Plus Mortgage is proud to partner with carefully chosen and well-qualified, licensed and insured loan processors who share over forty years combined experience
(719) 473-5962 Lender's profile and map Reviews Pikes Peak Credit Union 1616 N Circle Dr, Colorado Springs, CO, 80909 Pikes Peak Credit Union was Established in 1932. In 2012, we celebrate our 80th Anniversary. We are the oldest credit union in Colorado Springs & the 4th oldest in CO. Our Members are also owners of Pikes peak Credit Union & since credit unions are "not-for-profit", member-owned financial cooperatives, all profits are returned to our membership.