USDA Vs. FHA your options comparison in Shirley, Suffolk County, NY
As of 2025, the USDA loan ceiling for Shirley, in the county of Suffolk, NY, is set at $776,600, whereas the FHA cap for a single-family house is $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare current top USDA and FHA rate offerings, along with assessing the necessary income, credit, reserves, and documentation required for eligibility. Our comprehensive mortgage calculator provides side-by-side insights into USDA, FHA, Conforming, and VA loans, aiding you in selecting the most suitable program for your financial scenario in .
Loan Limits and Down Payment Requirements for 2025 in Shirley, Suffolk, NY
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Options for USDA and FHA Loans in Shirley, NY
Lendersa® is dedicated to securing the most advantageous USDA or FHA loan options for you expediently and without difficulty. You can begin with any of three choices to find compatible lenders and their USDA loan offerings.
The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is government-backed by the Department of Agriculture. Available solely in rural settings, these loans offer an option with no required down payment, unlike FHA loans, which mandate at least a 3.5% down payment.
30721 Russell Ranch Rd, Westlake Village, CA, 91361
Strategic Home Loans Our ultimate goal is to have each and every client of Strategic Home Loans become our loudest and only advertisement. This means that you strongly advise all of your friends and relatives to trust us in handling their financial needs with confidence, knowing that you are doing them a favor by referring them to us.
2239 Townsgate Road, Suite 205, Westlake Village, CA, 91361
Elite Financial has been providing mortgage lending services to individual homebuyers, real estate professionals and home builders throughout California. We maintain a high reputation for integrity and strive to go above and beyond for each client. Elite Financial offers a wide variety of loan options with the most competitive rates.
870 Hampshire Rd, Suite S, Westlake Village, CA, 91361
LoanSmart Inc founder of the Joe Engle goal is to work with you to design the right individual program to fit your needs.Whether you want to purchase your first home, refinance your existing home, move up or down, buy a second home or investment property, I will design the right program specifically tailored to fit your needs.
3043 Townsgate Rd, Suite 200, Westlake Village, CA, 91361
At PennyMac, we know your home is more than a place to live, it’s your place to dream, laugh, and grow. That’s why we have made it our mission to be more than just a mortgage lender — restoring trust and quality in the home loan experience from beginning to end.
So, whether you are just starting out with your first home
3043 Townsgate Rd, Suite 200, Westlake Village, CA, 91361
At PennyMac our commitment to our customers doesn’t end at closing. Our goal is to be a trusted financial partner that you can count on as long as you own your home. Being one of the top direct mortgage lenders in the country means PennyMac can focus on the needs of its customers rather than maintaining a network of branches and banking products.
860 Hampshire Road Suite S, Westlake Village, CA, 91361
Great American Funding Corporation is a Direct Mortgage Lending Source which allows us to offer hundreds of Mortgage Loan programs from which to choose. A Mortgage Banker can obtain lower rates and SAVE you money. We get paid by the Big Banks, to do their job better, faster, quicker, less expensive and with lower rates!
699 Hampshire Rd. Suite 210, Westlake Village, CA, 91361
Harmony Mortgage Bankers was established in 2007 and since then the company and licensed mortgage professionals have been providing mortgage lending services to home buyers and real estate professionals throughout the state of California. We offer a wide variety of loan options with extremely competitive rates and fees.
2440 Willamette Street, Suite 201, Eugene, OR, 97405
We’re proud to be a broker, not a bank. It means we do the shopping and you get the best interest rate and advice; we are experts in what we do because all we do is mortgage financing. We are locally owned and operated. We live here, we work here, we play here. We’re your friends and neighbors, people who will put your interests first.
At BestRate Capital Funding Corp., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
6085 Douglas Blvd, Suite 300, Granite Bay, CA, 95746
The quality of work we put into each clients home loan dictates our success as a business. The only way we are successful is to create such a ""wow"" experience for our clients that they tell their family and friends.
We are committed to seeing our clients through the entire process of the mortgage application
6085 Douglas Blvd, Suite 500, Granite Bay, CA, 95746
Our mission is to operate with honesty, integrity and clear communication. Cindy makes it her priority to respond rapidly to questions and concerns from homebuyers and homeowners. As a local, independent mortgage company in Roseville, Steelman can provide you with personalized customer service now and over the lifetime of your mortgage.
