USDA Loan Vs. FHA loan pro & con Cortlandville, Cortland County, NY

In 2025, the USDA loan limit for Cortlandville within Cortland county, NY, reaches $336,500, whereas the FHA limit for a single-family home is set at $472,030.

Utilize Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates and determine the necessary income, creditworthiness, reserves, and documents for qualification. Our advanced mortgage calculator presents side-by-side comparisons of USDA, FHA, Conforming, and VA loans, enabling you to select the program in that best fits your financial needs.

USDA and FHA Loan Opportunities in Cortlandville, NY

The mission of Lendersa® is to efficiently secure the best USDA or FHA loan for you, without hassle. Choose among three initial pathways to connect with lenders and discover USDA loan programs.

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Defining the USDA Loan in NY

The USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is designed for rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgage loans do not demand any down payment.

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(570) 446-9078 Lender's profile and map Reviews Getz Mortgage, Inc. 480 Pierce Street, Suite 306, Kingston, PA, 18704 Getz Mortgage, Inc., based in Kingston, is a Pennsylvania Licensed Mortgage Broker, owned and operated by Jesse Getz. The company focuses on purchase, refinance and new construction mortgages in Northeastern and Central Pennsylvania. With over 25 years of experience in the mortgage lending industry.
(585) 453-7000 Lender's profile and map Reviews The Summit Federal Credit Union 100 Marina Drive, Rochester, NY, 14624 The Summit has one of the highest employee retention rates in the industry. It truly cares about its employees, helping them to achieve their personal and professional goals. At The Summit, we are committed to creating an inclusive professional environment where individual differences are respected and valued.
(585) 247-0724 Lender's profile and map Reviews St Pius Federal Credit Union 2998 Chili Avenue, Rochester, NY, 14624 St. Pius X Church Federal Credit Union has been open since 1967. The credit union has assets totaling $94.07 Million and provides banking services to more than 6, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
(585) 272-0020 Lender's profile and map Reviews Rochester Area State Employees Federal Credit Union 2300 Buffalo Road, Building 400B, Rochester, NY, 14624 Rochester Area State Employees Federal Credit Union has been open since 1935. The credit union has assets totaling $18.05 Million. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves federal, state, and local government employees.
(585) 247-1090 Lender's profile and map Reviews Gates Chili Federal Credit Union 2870 Buffalo Road, Rochester, NY, 14624 In 1964, seven teachers in the Gates Chili school district started the credit union, originally named Gates Chili School District Federal Credit Union. The Gates Chili Federal Credit Union is a full-service, financial cooperative that offers a broad range of financial products and services to our members.
(585) 865-2560 Lender's profile and map Reviews Greece Community Federal Credit Union 1795 English Road, Rochester, NY, 14616 The Greece Community Federal Credit Union was Chartered in 1958 under the name of Greece Central School District Credit Union as a State Chartered Credit Union to serve the employees of Greece Central School District. The first Board Meeting was held on September 22, 1958 reporting assets of $36.00.
(570) 826-8244 Lender's profile and map Reviews CityMark FCU 225 S River Street, Plains, PA, 18705 CityMark FCU We were originally founded to serve the employees and family members of Wilkes-Barre City. Over the years, we have included Plains Township and Wilkes-Barre Township employees and their family members. In 2016, we were granted a community charter that allows us to serve anyone who lives, works, worships.
(518) 773-6548 Lender's profile and map Reviews UPSTATE TELCO Federal Credit Union 137 Harrison Street, Gloversville, NY, 12078 The Upstate Telco FCU, Charter #10746, was organized on March 20, 1956. There were 17 chartering members and the first Board of Directors, Credit, and Supervisory Committee members were elected at its first special meeting. The Credit Union is a non-profit financial institution that is owned and operated entirely by its members.
(518) 725-3191 Lender's profile and map Reviews First Choice Financial Federal Credit Union 355 Hales Mills Road, Gloversville, NY, 12078 First Choice Financial Federal Credit Union boasts over $152 Million in assets and is located in three great locations in Gloversville, NY and Broadalbin, NY. FCFFCU provides a wide range of quality financial services while preserving a competitive and stable financial institution. FCFFCU is a not-for-profit cooperative owned
(888) 272-5543 Lender's profile and map Reviews Navient Corporation PO Box 9000, Wilkes Barre, PA, 18773 Navient (Nasdaq: NAVI) is a leader in education loan management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. The company helps its clients and millions of Americans achieve financial success through services and support.
(570) 825-2640 Lender's profile and map Reviews SNFCU 254 South Washington Street, Wilkes Barre, PA, 18701 The Saint Nicholas Federal Credit Union is a member of the Northeast Pennsylvania Chapter of Credit Unions. Federal credit unions are regulated by the National Credit Union Administration. A federal examiner audits the operation of each credit union once a year. Saint Nicholas Federal Credit Union has been a Federal credit union since 1938.
(570) 825-1790 Lender's profile and map Reviews Luzerne County Federal Credit Union 20 N Pennsylvania Boulevard, Wilkes Barre, PA, 18701 Luzerne County Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Luzerne County Federal Credit Union will continue a sound yet progressive asset management strategy.