USDA Loan Vs. FHA loan for Waynesville, NC 2025

For 2025, in Waynesville, NC, within Haywood county, the USDA loan cap is $336,500 as opposed to an FHA limit of $472,030 for single homes.

With Lendersa®'s USDA loan calculator, compare today's USDA vs. FHA rates. Discover income, credit, and documentation requirements for eligibility. Our advanced mortgage tool lets you examine USDA, FHA, Conforming, and VA loans concurrently to find the best fit in for your financial needs.

USDA and FHA Loan Choices in Waynesville, NC

Lendersa® aims to efficiently connect you with superior USDA or FHA loan options. Choose one of three steps to access matched lenders and programs.

Lendersa's USDA loan request matching results

Understanding USDA Loans in NC

USDA loans, backed by the Department of Agriculture, also known as USDA rural development or mortgage loans, are offered in rural areas only. Contrary to FHA's 3.5% down payment necessity, USDA loans require no down payment.

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(949) 732-0624 Lender's profile and map Reviews NewRate Lending 2010 Main Street, Suite 1250, Irvine, CA, 92614 NewRate Lending is a full-service mortgage bank that operates out of Irvine, California. With a family-oriented corporate culture and proven track record of success, we aim to make the mortgage loan experience simple, enjoyable and transparent from start to finish for all parties involved.
(949) 756-1702 Lender's profile and map Reviews Kent Mortgage Corporation 17310 Red Hill Avenue, Suite 280, Irvine, CA, 92614 KENT MORTGAGE CORPORATION is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
(800) 248-1176 Lender's profile and map Reviews Opengate Loans Inc 18008 Sky Park Circle, Suite 270, Irvine, CA, 92614 Opengate Loans Inc Mortgage rates are incredibly low right now and it only makes sense you call the experts at OpenGate Lending to see how much we can save on your home loan. You could end up saving thousands per year by refinancing to a lower rate. There are also great loan products available.
(949) 732-7021 Lender's profile and map Reviews Pacific Beneficial Mortgage Company Inc. 18010 Skypark Circle, Suite 225, Irvine, CA, 92614 Pacific Beneficial Mortgage Company, Inc, professional mortgage company specializing in residential mortgages. At Pacific Beneficial Mortgage Company, Inc, we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled loan consultants.
(714) 552-0243 Lender's profile and map Reviews Good Neighbor Mortgage & Realty 1 Park Plaza, Suite 600, Irvine, CA, 92614 Good Neighbor Mortgage is one of the largest financial commitments that you will make during your life. We can help you realize that your home is truly a valuable financial tool for achieving the dreams and plans you have always envisioned. You only think about real estate and mortgage financing a few times during your life.
(866) 229-9828 Lender's profile and map Reviews American 1st Partners 18010 Skypark Circle, Suite 205, Irvine, CA, 92614 Our Vision is to change how the mortgage industry conducts business by building long-lasting relationships one loan at a time. We aim to go beyond the needs and desires of not only our clients but also our staff who work tirelessly to make everything possible. Developing an employee-centric workplace fosters an environment
(949) 777-2731 Lender's profile and map Reviews Activus Home Loans 4 Park Plaza, Suite 790, Irvine, CA, 92614 As the world gets smaller and faster, consumers demand results that are immediate, uncomplicated and accurate. That's why at Activus, we are committed to delivering those results to every customer - every time. Whether our clients are buying their first home, trading-up to a larger home, refinancing or just consolidating their debt.
(866) 714-2040 Lender's profile and map Reviews HighTechLending, Inc. 2030 Main St, Suite 350, Irvine, CA, 92614 "We are an FHA Approved Mortgage Bank and Direct Lender providing FHA, VA, USDA, 203K, Conventional, Jumbo, Streamline Refi, and Reverse Loans. Founded by Don Currie and Erika Macias, our winning strategy consists of a carefully crafted blend of excellent price, niche product offerings and exceptional customer service."
(949) 269-7145 Lender's profile and map Reviews Loanleaders of America 38 Executive Park, Suite 260, Irvine, CA, 92614 Loan Leaders of America, Inc. is a Nationwide Wholesale Lender offering conventional and government loans on both residential and commercial properties. Established in 1999 Loan Leaders of America, Inc., has maintained to be one of the nation's most competitive wholesale lenders and diversified brokers in the industry, year after year.
(877) 234-5553 Lender's profile and map Reviews Direct Finance 17782 Cowan, Suite F, Irvine, CA, 92614 Direct Finance is a full-service financing brokerage that offers a wide range of products to include residential and commercial financing, mixed use, multi-family, non-traditional financing, equity lines, and bank statement financing.Our team of mortgage experts and consultants are some of the most seasoned in the industry.