USDA Loan Vs. FHA loan for St.-James, NC [ best of 2023]

In 2025, USDA loan limit in St.-James, county of Brunswick, 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 St.-James, 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.

(800) 453-3548 505 miles Lender's profile and map Reviews READYCAP LENDING, LLC 200 Connell Drive, Suite 4000, Berkeley Heights, NJ, 07922 Ready Capital is a multi-strategy real estate finance company that originates, acquires, finances and services small- to medium-sized balance commercial loans.We specialize in loans backed by commercial real estate, including agency multifamily, investor and bridge as well as SBA 7(a) business loans. Headquartered in New York City.
(859) 795-1846 505 miles Lender's profile and map Reviews Entrust Mortgage, LLC 73 Cavalier Blvd, Suite 316, Florence, KY, 41042 Entrust Mortgage, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(205) 263-4700 505 miles Lender's profile and map Reviews Oakworth Capital Bank 850 Shades Creek Parkway, Birmingham, AL, 35209 At Oakworth, our Core Purpose is Helping People Succeed. That resonates through our culture by our associates being intentional about our Core Values, our behaviors and the experiences we provide. This culture fosters an environment where our associates focus on relationships with not only our clients, but also with each other.
(205) 719-5750 505 miles Lender's profile and map Reviews CommerceOne Bank 2100 Southbridge Parkway, Suite 385, Birmingham, AL, 35209 CommerceOne is born out of a desire to be exceptional because we believe there is nothing more important than building a meaningful connection between our bankers and your needs. That means providing you with accessible, highly-individualized services that are practically unheard of in the banking industry.
(205) 944-1192 505 miles Lender's profile and map Reviews 1st Resource CU 47 West Oxmoor Rd, Birmingham, AL, 35209 To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, security testing, and secured files and buildings. WE PROVIDE LINKS TO THIRD PARTY PARTNERS, INDEPENDENT FROM 1ST RESOURCE CREDIT UNION.
(866) 317-0810 505 miles Lender's profile and map Reviews ServisFirst Bank 2500 Woodcrest Place, Birmingham, AL, 35209 ServisFirst Bank is a full service commercial Bank focused on commercial Banking, correspondent Banking, cash management, private Banking and the professional consumer market, emphasizing competitive products, state of the art technology and a focus on quality service. The Bank offers sophisticated cash management products.
(205) 777-3067 505 miles Lender's profile and map Reviews Today's Financing 85 Bagby Drive, Suite 337, Birmingham, AL, 35209 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.
(205) 870-7333 505 miles Lender's profile and map Reviews HAMILTON MORTGAGE CORPORATION 2850 19th Street South, Suite 300, Birmingham, AL, 35209 "We have built a strong reputation for over 25 years as an outstanding mortgage banking firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout our southeast lending area. We're a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending"
(908) 264-7058 505 miles Lender's profile and map Reviews RJR Mortgage Company LLC 812 Central Avenue, Suite 4, Westfield, NJ, 07090 RJR Mortgage Company, LLC does not make any mortgage loan commitments or fund any mortgage loans. All loans are arranged through third party providers. RJR Mortgage Company LLCis affiliated with many lenders to offer a broad range of products with competitive pricing. Our executive has over 25 years of experience in the mortgage industry.
(614) 505-0620 505 miles Lender's profile and map Reviews Liberty Capital Services Llc 438 E Wilson Bridge Rd, Suite 105, Worthington, OH, 43085 Liberty Capital Services after graduating from Ohio State University with degrees in finance. As financial planners, we could have remained in the traditional private banking industry, but we decided to embark on a new venture to create a mortgage consulting service like no other.
(888) 332-5301 505 miles Lender's profile and map Reviews Priority Mortgage Corp. 150 E Wilson Bridge Rd, Suite 350, Columbus, OH, 43085 Priority Mortgage proudly serves our borrowers out of our office in Worthington, Ohio. Founded in 1984 and under the direction of the original owner, Priority Mortgage enjoys an unprecedented reputation in the real estate and financial communities. Over 85% of our borrowers are either repeat customers or have been referred by someone.