USDA Loan Vs. FHA loan pro & con Bayard, Grant County, NM

In 2025, USDA loan limit in Bayard, county of Grant, NM is $336,500 while FHA limit is $472,030 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 Bayard, NM

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 New Mexico?

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.

(520) 544-4422 Lender's profile and map Reviews All American Lending Group, L.L.C. 4511 North Campbell Avenue, Suite 205, Tucson, AZ, 85718 At All American, we are able to compete with all banks and savings institutions. With our excellent reputation and strict code of ethics, you can be sure we're the right choice. We are a family owned and operated Tucson based company with more than 25 years of industry experience.
(888) 842-0490 Lender's profile and map Reviews USAVA Lending 6450 N Swan Rd, Suite 110, Tucson, AZ, 85718 USAVA Lending is comprised of an expert team of lending professionals specializing in providing exceptional home financing options. We are dedicated to providing exemplary customer service, educating our customers on their VA loan benefits and offering unbeatable VA loan programs directly to the military personnel who bravely serve our country.
(928) 536-7484 Lender's profile and map Reviews Rim Country Federal Credit Union 216 S. Main St, Snowflake, AZ, 85937 In April of 1964 the Snowflake Mills Federal Credit Union was chartered by the Southwest Forest Industry’s employees. Years later the CU became a SEG (Select Employer Group) credit union, which means other employers have joined the CU’s field of membership. The field of membership has since been opened up to any person that lives
(888) 265-5676 Lender's profile and map Reviews DreamSpring 2000 Zearing Ave NW, Albuquerque, NM, 87104 DreamSpring is a nonprofit community lender dedicated to eliminating systemic wealth inequities and accelerating the economic inclusion & strength of underserved communities. Founded in 1994, the organization, which operates in 19 states, provides rapid access to capital & customized wrap-around support to the most vulnerable small business owners.
(520) 449-3313 Lender's profile and map Reviews Westar Mortgage & Realty 1775 W Wimbledon Way, Tucson, AZ, 85737 WESTAR® has arranged funding of thousands of residential and commercial loans, plus subdivisions throughout Arizona in Tucson, Green Valley, Nogales, Sierra Vista, Douglas, Benson, Yuma, the Phoenix area, Flagstaff, Bullhead City, Show Low, Casa Grande, Arizona City, and Apache Junction.
(520) 797-4160 Lender's profile and map Reviews Commerce Bank of Arizona 3805 East Broadway Boulevard, Tucson, AZ, 85716 Commerce Bank of Arizona, established in 2002 in Tucson, Arizona, is a full-service community bank that caters to small-to mid-sized businesses and real estate professionals. CBAZ offers commercial clients with a variety of services ranging from U.S. Small Business Administration (SBA) financing solutions, construction loans.
(520) 795-8520 Lender's profile and map Reviews Tucson Federal Credit Union 1160 N. Winstel Blvd, Tucson, AZ, 85716 In 1937 a group of teachers with a vision came together to form a financial cooperative that could better serve the financial needs of Tucson's school employees and their families. A year later, Tucson Teachers Federal Credit Union (TTFCU) was serving 38 members and had acquired assets of nearly $349.
(520) 325-6308 Lender's profile and map Reviews Blue Sky Mortgage, Inc. 2229 East Hedrick Drive, Tucson, AZ, 85719 Blue Sky Mortgage, Inc. is a full service mortgage broker providing real estate financing anywhere in Arizona. Richard has a BS degree in Mechanical Engineering from the University of California at Davis. Originally from New York, Richard’s first involvement in real estate was in California in the early 1970′s.
(520) 324-0000 Lender's profile and map Reviews Hotchkiss Financial, Inc. 1945 East Mabel Street, Tucson, AZ, 85719 We have very competitive Interest Rates. Our loans are customized to fit the borrower's needs. Because we are a small company, we can follow every detail of your transaction. We will keep you informed regarding the loan progress, from start to finish. We have access to a large network of investors. We have a wide variety of products
5054410404 Lender's profile and map Reviews REP Financial LLC 6001 Menaul Blvd NE #1216, Albuquerque, NM, 87110 At REP Financial, we provide fast, flexible funding for real estate investors—whether you’re flipping, renting, or developing. We bridge the gap between your goals and real results, offering solutions for tight timelines, high DTI, and income documentation challenges. Our relationship-driven approach helps investors scale with strategic, long-term