USDA and FHA Pro and Con in Espa?ola, Rio Arriba County, NM

For Espa?ola located in Rio Arriba county, NM, the USDA loan cap for 2025 is $285,000, while the FHA ceiling stands at $356,362 for single-family homes.

Employ the Lendersa® USDA loan calculator to analyze and contrast today’s top USDA and FHA rates. Determine the income, credit score, reserves, and documents necessary for qualification. Our cutting-edge mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, helping you to ascertain the best choice for your financial status in .

View loan offers from 100 lenders in one place

2025 Loan Limits and Down Payment Requirements in Espa?ola, Rio Arriba, NM

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in Espa?ola, NM

The ambition of Lendersa® is to facilitate a swift, hassle-free procurement of the most advantageous USDA or FHA loan. Begin your journey with one of three different approaches that guide you towards suitable lenders and USDA loan offerings.

Lendersa USDA loans application and match results

Exploring USDA Loans in NM

A USDA home loan, supported by the Department of Agriculture, is also known as a USDA rural development loan or mortgage. It is offered solely in rural locales. Unlike FHA loans that call for at least a 3.5% down payment, USDA loans do not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Streamline Financial Group, Inc.
  • 1240 South Federal Highway, Boynton Beach, FL, 33435
  • Streamline Financial Group, Inc. is a premier provider of creative financial solutions for various lending needs. Drawing upon a background of over 17 years in the industry, we have the ability, expertiese and experience to fund every type of financing request, from the mundane, to the exotic. Products range.
  • iTHINK Financial
  • 1000 NW 17th Avenue, Delray Beach, FL, 33445
  • In 1969, a group of IBM employees got together (each giving $0.25) to form iTHINK Financial. Who would have thought that a set of quarters in 1969 would turn into one of the nation's largest Credit Unions with more than $1.50 billion in assets and 95, 000 Members across the country
  • Divito Lending LLC
  • 2700 North Federal Highway, Suite 503, Delray Beach, FL, 33445
  • Divito Lending works with many top-rated mortgage companies to bring you the best rates while saving you money and the hassle of shopping for your own mortgage. With our team’s history of serving Florida, you can trust us to protect you like family. We help people obtain quality mortgages, and help families with affordable rates options.
  • Renaissance Mortgage Capital LLC
  • 1615 S Congress Ave, Suite 103, Delray Beach, FL, 33445
  • Our long term success is based primarily on our commitment to our clients. Our longevity is due to our excellence in customer service along with a very competitive suite of loan programs from the traditional 30 year fixed rate loan to special programs designed for those ‘out-of-the-box’ scenarios.
  • Florida Direct Lending Inc
  • 601 N. Congress Ave #413, Delray Beach, FL, 33445
  • Florida Direct Lending Incis a full-service mortgage company based in Delray Beach, Florida. We specialize in FHA, Conventional, Jumbo. We also serve the entire State of Florida. Whether you are buying a home or refinancing we can help you realize your dream of home ownership or save you money when getting you a new lower monthly payment loan.
  • ConsumerDirect Mortgage
  • 220 Congress Park Drive, Ste. 140, Delray Beach, FL, 33445
  • ConsumerDirect Mortgage is a national direct-to-consumer retail mortgage lender. We are a division of FirstBank, the largest privately held bank in the state of Tennessee with over $3 billion in total assets. Mortgage is a national direct-to-consumer retail mortgage lender. We are a division of FirstBank, the largest privately held bank in the USA.
  • Mint Financial Group
  • 4577 Nob Hill Road, Suite 201, Fort Lauderdale, FL, 33351
  • Mint Financial Group got its start back in 2010 operating out of a humble 100 square foot office in Ft. Lauderdale, FL. It was in the early years that Felipe Catano, its founder, and President, quickly learned that there was a lack of transparency and lack of consulting in the business lending space. While working with small business owners
  • Hollywood Mortgage LLC
  • 5600 Northwest 102 Avenue, Suite I, Sunrise, FL, 33351
  • Hollywood mortgage corporation has been recognized through out Florida as well respected commercial real estate mortgage brokerage and residential mortgage firm with an exceptional record in customer relationship. Hollywood Mortgage Corporation specialize in providing commercial real estate lending that will accommodate all financing needs.
  • Professional Mortgage Group Inc
  • 5369 North Nob Hill Road, Sunrise, FL, 33351
  • Professional Mortgage Group, Inc. is a Florida for profit corporation based in Sunrise. They registered with the Florida Department of State's Division of Corporations on Nov 20, 2008. Whether you prefer to do business online or meet a live person, we will provide you a custom tailored loan to fit your financing needs.
  • International Mortgage & Finance Group Inc
  • 4300 North University Drive, Suite A-107, Lauderhill, FL, 33351
  • For over twenty years, we have provided hope, assurance, and quality service to clients who have been rejected by other brokers, lenders and banks. Our staff is made up of mortgage experts who provide the best service available. Licensed in the state of Florida and based in Lauderhill, International Mortgage & Finance Group serves clients