FHA Vs. USDA loan program for Los-Lunas, Valencia County, New Mexico

For the year 2025, in Los-Lunas located in the county of Valencia, NM, the USDA loan limit is set to $285,000, while the FHA limit is $356,362 for single-family homes.

Make use of the Lendersa® USDA loan calculator to compare the best current USDA versus FHA rates, and figure out the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side. This comparison helps you determine which program in best suits your financial needs.

Exploring USDA and FHA Loan Opportunities in Los-Lunas, NM

The aim of Lendersa® is to swiftly secure the most suitable USDA or FHA loan for you without undue hassle. Initiate one of three routes which lead you to suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NM

The USDA home loan, secured by the U.S. Department of Agriculture, also referred to as the USDA rural development loan, is available exclusively in rural neighborhoods. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans demand no down payment.

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(405) 799-5363 Lender's profile and map Reviews Lincoln Lending 501 SE 4th St, Suite C, Moore, OK, 73160 Lincoln Lending strives to serve our fellow Oklahomans with their dreams of home ownership. Buying or refinancing a home is a momentous occasion; beyond our efforts to simplify the process and reduce your stress, we aim to help you focus on the excitement of the purchase. We will walk with you through every step of the process
(405) 996-3992 Lender's profile and map Reviews FirstTrust Home Loans, Inc. 2100 N Eastern Ave, Suite 11, Moore, OK, 73160 At FirstTrust Home Loans, we are here to help you through every step of purchasing a home. Our large variety of home loan programs, partnered with wonderful support staff, competitive rates, and experienced loan officers, assure that you are comfortable and well informed through the course of your purchasing experience.
(801) 499-2500 Lender's profile and map Reviews Bob Kirkman Mortgage Lender 1448 N 2000 W, Suite 2, Clinton, UT, 84015 Bob Kirkman believes that excellent service and a reputation for honesty, integrity and reliability are just as important as interest rates and closing costs. Bob’s team is committed to providing our Utah Mortgage clients with the highest quality Utah Home Loans combined with the lowest Utah Mortgage Rates available.
(801) 663-4323 Lender's profile and map Reviews ATOMortgage, LLC 1857 N 1000 W, Suite 1, Clinton, UT, 84015 At ATOMortgage, we recognize each individual client is unique and will work hard to provide the best solution for your needs. It takes a detailed and organized professional to ensure a smooth transaction. ATOMortgage will guide you through the mortgage process and provide exceptional customer service by keeping you informed and updated.
(405) 478-0046 Lender's profile and map Reviews Energize Credit Union 2325 East I-44 Service Road, Oklahoma City, OK, 73111 Energize Credit Union is a cooperative, not-for-profit financial institution owned by and operated for the benefit of all members. Energize Credit Union was chartered in 1967 to fill specific financial needs of electric and telephone cooperative employees. Fifty years later we are still meeting those needs of providing a secure
(405) 212-4567 Lender's profile and map Reviews Department of Public Safety Federal Credit Union 3650 N Martin Luther King Avenue, Room 1000, Oklahoma City, OK, 73111 In 1953, seven Oklahoma Department of Public Safety (DPS) employees recognized the benefits a credit union would provide their coworkers. These founding members were intent on providing affordable financial services for the varied needs of the uniformed Highway Patrol and civilian DPS employees.
(405) 325-2211 Lender's profile and map Reviews OU Federal Credit Union 2000 W Lindsey Street, Norman, OK, 73069 Founded May 6, 1954, OU Federal Credit Union membership is open to all students, faculty, staff, alu. OU Federal Credit Union is a progressive, member owned and controlled financial organization dedicated to providing comprehensive, low-cost, high quality financial services that are personalized for the membership.
(405) 615-8543 Lender's profile and map Reviews Executive Lending Group 2401 Tee Circle, Suite 102B, Norman, OK, 73069 Executive Lending Group We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you
(405) 594-7696 Lender's profile and map Reviews Epic Lending LLC 542 Claremont Drive, Norman, OK, 73069 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.
(760) 337-4200 Lender's profile and map Reviews Sun Community Federal Credit Union 1068 Broadway, El Centro, CA, 92243 Sun Community Federal Credit Union was organized on March 9, 1954, as the Imperial Valley U.S. Employees Federal Credit Union, with ten charter members. Over the years, the field of membership was enlarged. In January 1968, the name was changed to Government Agencies Federal Credit Union.
(760) 352-1540 Lender's profile and map Reviews First Imperial Credit Union. 1602 W Main St, El Centro, CA, 92243 First Imperial Credit Union is a credit union located in Imperial County, California who has a mission to deliver quality, affordable financial services with an exceptional member-focused experience. As a not-for-profit financial instituion, FICU gives back to its membership in the way of lower loan rates
(760) 370-0042 Lender's profile and map Reviews IV Alliance Mortgage & Real Estate 395 Broadway Avenue, Suite 5, El Centro, CA, 92243 IV Alliance Mortgage and real Estate our team of professionals will make it easy for you to apply for a loan. Give us a call and speak with one of our representatives. Within a day or two, we’ll be able to give you personalized rate information and a solution tailored to your specific needs.