USDA Loan Vs. FHA loan pro & con Spruce-Pine, Mitchell County, NC

As of 2025, the USDA loan limit in Spruce-Pine situated in Mitchell, NC, is $285,000. For a single-family home, the FHA limit is $356,362.

The Lendersa® USDA loan calculator allows you to compare today's top USDA versus FHA rates and evaluate the necessary income, creditworthiness, reserves, and documentation needed to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side to help you choose the best program for your financial needs in .

Reviewing USDA and FHA Loan Options in Spruce-Pine, NC

Lendersa® aims to swiftly provide you with the best possible USDA or FHA loan without hassle. Choose one of three starting points to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

A USDA home loan, also known as a USDA mortgage or rural development loan, is guaranteed by the government through the Department of Agriculture, available exclusively in rural areas. Unlike FHA loans which require a 3.5% minimum down payment, USDA loans require none.

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(702) 228-2228 Lender's profile and map Reviews Clark County Credit Union PO Box 36490, Las Vegas, NV, 89133 CCCU is a solid financial co-operative with over 45, 000 members and $700 million in assets. Since 1951, we've been helping members just like you save more money and time. We can do that because, unlike banks, we don't profit at your expense. Instead, we return the profits we make back to our members as better rates and fee.
(406) 892-1776 Lender's profile and map Reviews Freedom Bank MT 530 9th St. West, Columbia Falls, MT, 59912 Freedom Bank thrives on community involvement and is built on a foundation of trust. Don Bennett, President of Freedom Bank in Columbia Falls, is no stranger to building from the ground up. Freedom Bank, which Bennett founded in April 2005, began in his basement. For the first year, the bank operated out of an old 980-square-foot trailer.
7027063878 Lender's profile and map Reviews NEXA Mortgage LLC 2850 W. Horizon Ridge Pwky, Henderson, NV, 89052 NEXA Mortgage is ranked as the top Mortgage Broker in Arizona and is growing in multiple states. NEXA Mortgage is a fantastic organization that truly cares about its employees and loves closing loans. The Owners and upper management have a personal relationship with every employee and strive to maintain the best work environment possible. You
(702) 523-5643 Lender's profile and map Reviews The Escobedo Team 10075 South Eastern Avenue, Suite 104, Henderson, NV, 89052 Our family is our team. Two generations of mortgage expertise, born and raised in Las Vegas. We have 30+ years of combined mortgage experience here in Nevada and we do everything in our power to help every family achieve their American dream. Family helping families. Let our family help yours!
(888) 875-7916 Lender's profile and map Reviews Merchant Banking Resources 2831 St. Rose Parkway, Suite 444, Henderson, NV, 89052 Merchant Banking Resources prides itself on its customer satisfaction and the support provided to clients. Helping businesses thrive and succeed is the ultimate goal Merchant Banking Resources strives to achieve. We help both large sized companies and small businesses, each with unique requirements,
(702) 482-8421 Lender's profile and map Reviews Greenkey Mortgage 871 Coronado Center Drive, Suite 200, Office 247, Henderson, NV, 89052 We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. Here at Greenkey Financial, Inc., we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!
(866) 644-2225 Lender's profile and map Reviews Community Access Lending 871 Coronado Center Drive, Suite 200, Office 256A, Henderson, NV, 89052 Community Access Lending. We are a full-service mortgage company based in Las Vegas, NV. We specialize in First time home-buyers assistance in Las Vegas. We also serve the surrounding cities in Clark County. Whether you are buying a home or refinancing and we can help you realize your dream of home ownership
(725) 215-1906 Lender's profile and map Reviews YLM Financial 871 Coronado Center Drive, Suite 200, Office 256A, Henderson, NV, 89052 YLM Financial is the smart choice for all of your mortgage needs. We are a family-owned company that emphasizes community, relationships, honesty, and integrity in everything that we do. As a company, we are committed to you, our valued client. YLM’s focus is to provide quality service and communication throughout the loan process.
(702) 832-5538 Lender's profile and map Reviews Assurance 832 3044 Paseo Hills Way, Henderson, NV, 89052 Assurance 832 was formed to help small businesses survive and thrive by getting the funds they need. With our extensive network of investors and alternative lenders we can get funds to our clients in hours. Our passion is to see people’s dreams fulfilled and there is no bigger dream than the American Dream of working for yourself.
855 702 5600 Lender's profile and map Reviews Taylor Derrick Capital 2298 W Horizon Ridge Pkwy #213, Henderson, NV, 89052 Taylor Derrick Capital is a real estate investment management company that provides alternative investments in real estate debt and equity ventures. Our efforts are focused in the western states where we have deep relationships and valuable experience in the real estate industry.
(702) 637-1215 Lender's profile and map Reviews Nevada Title and Payday Loans, Inc. 1549 N Rancho Dr, Las Vegas, NV, 89106 A title loan, payday loan or a signature installment loan from Nevada Title and Payday Loans, Inc. could help you meet some of your financial challenges. With our experience and professionalism, we can help you get a car title loan, signature installment loans or payday loan that works for you in 30 minutes or less.