USDA Loan Vs. FHA loan pro & con Elma, Erie County, NY

In 2025, USDA loan limit in Elma, county of Erie, NY 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 Elma, NY

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 York?

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.

(541) 259-1235 2183 miles Lender's profile and map Reviews Linn-Co Federal Credit Union 485 2nd Street, Lebanon, OR, 97355 Linn-Co was chartered in 1956 by eight school teachers at Green Acres School in Lebanon. Through the years we have evolved into a credit union that is chartered to serve all who live, work, worship or attend school in Linn County, and their out of town family members. We're one of the few financial institutions headquartered in Linn County.
(855) 355-2687 2183 miles Lender's profile and map Reviews Bank of The Sierra PO Box 1930, Porterville, CA, 93258 Bank of the Sierra was founded in 1977. Over the years, our market has expanded to include Tulare, Kern, Kings, Fresno, Los Angeles, San Luis Obispo, Santa Barbara and Ventura Counties. We are the largest community bank headquartered in California's Heartland. Through sound banking practices and financial strength
(909) 202-4991 2183 miles Lender's profile and map Reviews ERA Prime Properties 2545 Chino Hills Pkwy, Suite D, Chino Hills, CA, 91709 ERA Prime Properties satisfaction of such propels business. Success is based on getting what you want, happiness is liking what you get.So, when my customers get what they want, happiness permeates the environment and a win/win situation is established which leads to growth and development thus success.
(909) 597-0503 2183 miles Lender's profile and map Reviews Season Funding, Inc. 16551 Vellano Club Drive, Chino Hills, CA, 91709 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.
(909) 627-1100 2183 miles Lender's profile and map Reviews Centerpointe Financial Inc. 14455 Spring Crest Drive, Chino Hills, CA, 91709 We've been in business since 1994. We are a small family owned and operated mortgage company. We are dedicated to providing the highest level of service and expertise to our clients. Our approach is unique. We listen. We listen to what your needs and goals are. Then we use our knowledge and expertise
(800) 600-4029 2183 miles Lender's profile and map Reviews SoCal Pacific Real Estate Services 5861 Pine Ave, Chino Hills, CA, 91709 SoCal Pacific Real Estate Services, where we specialize in residential mortgages. At SoCal Pacific Real Estate Services, 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. Our consultants know what it takes to get through underwriting quickly.
(909) 342-6163 2183 miles Lender's profile and map Reviews Pacific Tech Financial 4594 Saint Andrews Drive, Chino Hills, CA, 91709 At Pacific Tech Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(800) 599-4690 2183 miles Lender's profile and map Reviews City Fund Mortgage Lending 4195 Chino Hills Parkway, Suite 469, Chino Hills, CA, 91709 City Fund Mortgage began with a clear vision of ethical lending and quality service. With over a century of combined lending experience amongst our team, a vast array of loan product offerings, and an emphatic commitment to superior customer service, the company has managed to stay competitive in an ever changing
(909) 821-7447 2183 miles Lender's profile and map Reviews J Bee Home Loans 13362 Emerald Way, Chino Hills, CA, 91709 JBee Home Loans is a growing residential mortgage lender in California built on a proven track record as a long-time industry leader. The Los Angeles-based company, founded by Joel & Jill Burlingame, specializes in standardized home loans, VA loans, FHA loans, low-credit score approval loans, refinancing and more
(858) 487-1880 2183 miles Lender's profile and map Reviews North County Credit Union 17045 Via Del Campo, San Diego, CA, 92127 North County CU is a not-for-profit financial cooperative owned by its members. As a not-for-profit cooperative, we're always looking for ways to save you money any way we can. North County CU representatives are rewarded for finding you the best deal - not on making record profits.
(858) 451-1185 2183 miles Lender's profile and map Reviews Norstar Capital 11440 West Bernardo Court, Suite 300, San Diego, CA, 92127 Norstar Capital your secret weapon to finding the lending program that’s right for you. Principal/Broker Dee Hontz has access to a wide range of loan products through established relationships with banks, mortgage bankers, non-depository portfolio lenders, and direct private money investors.