USDA Loan Vs. FHA loan for Stephentown, NY [Rensselaer County ]

For 2025, the USDA loan limit set in Stephentown, Rensselaer county, NY reaches $336,500, while the FHA cap for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates. This will help you assess the income, credit, reserves, and documents required to qualify. Our advanced mortgage tool provides side-by-side evaluations of USDA, FHA, Conforming, and VA programs, ensuring you pick the best option in according to your financial needs.

USDA and FHA Loan Opportunities in Stephentown, NY

The mission of Lendersa® is to swiftly and easily provide you with the best USDA or FHA loan options. Choose from three paths that connect you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in NY?

A USDA home loan, backed by the Department of Agriculture—also called a USDA rural development loan or mortgage—is exclusively accessible in rural neighborhoods. Unlike FHA loans needing a minimum 3.5% down payment, a USDA mortgage requires none at all.

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(513) 793-6400 Lender's profile and map Reviews Mortgage House of America LLC 3530 Edwards Road, Cincinnati, OH, 45208 Mortgage House of America has specialized in finding a great product at a great price to suit our clients’ home purchase or refinance needs. From the ground up, we have built our business on strong foundations of honesty, integrity and communication with our clients. Most of our loan officers bring at least ten years of experience.
(513) 470-9939 Lender's profile and map Reviews All Home Mortgages LLC 4240 Airport Rd, Suite 101, Cincinnati, OH, 45226 All Home Mortgages LLC is a Cincinnati based mortgage company. It's goals are to provide great rates, service, and communication to it's clients and referral partners. Whether looking to refinance or purchase, we will work hard to get you a great deal on your mortgage and educate you on the process.
(910) 232-0253 Lender's profile and map Reviews Alan Efting 6752 Rock Spring Rd, Wilmington, NC, 28405 At Alan Efting, 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 and your family from the many mortgage options
(910) 933-0100 Lender's profile and map Reviews SeaTrust Mortgage 1001 Military Cutoff Rd, Suite 350, Wilmington, NC, 28405 SeaTrust Mortgage Company is built on the foundation of our #1 core value, customer obsession. As a subsidiary of one of the fastest-growing banks in the southeast, Community First Bank, SeaTrust has the ability to tailor products for your needs and wants. Our "New Wave" technology will provide speed, quality.
(616) 538-2810 Lender's profile and map Reviews GR Consumers Credit Union 3975 Clay Avenue SW, Wyoming, MI, 49548 At GR Consumers Credit Union, we have been serving our members since 1941! GRCCU is a member-owned credit union focused on exceeding our members' expectations. We look forward to assisting you with all your financial needs. Anyone who lives, works, worships or attends school in Kent, Muskegon, or Ottawa County in the State of Michigan
(866) 898-1818 Lender's profile and map Reviews Member First Mortgage, LLC 616 44th St SE, Grand Rapids, MI, 49548 Built on the credit union philosophy of "People Helping People", MFM serves the home financing needs of credit union members as well as non-members. Founded September 11, 2001, Member First Mortgage has grown to become one of the largest Credit Union Service Organizations (CUSO) in the nation.
(888) 235-8209 Lender's profile and map Reviews Commercial Loan Group, LLC 3300 Eagle Run Dr, Suite 103, Grand Rapids, MI, 49588 Commercial Loan Group, We have 29 years of experience serving all types of businesses from manufacturing to retail, as well as distribution and service-focused businesses; helping such businesses from closing their doors, banks calling loans, and bankruptcy, to recovery/successretail, as well as distribution and service-focused businesses.
(866) 399-3762 Lender's profile and map Reviews Compass Credit Union 485 S State Street, Sparta, MI, 49345 At Compass, we are community servants; we are educators; we are foundry workers; we are volunteers working for the betterment of everyone; we are members, and we are committed to navigating our mutual financial journey together And while we may all come from diverse backgrounds, we take pride in our shared neighborhoods
(616) 887-7366 Lender's profile and map Reviews ChoiceOne Bank 109 E. Division, Sparta, MI, 49345 ChoiceOne Bank is a full service financial institution with offices in Kent, Ottawa, Muskegon and Newaygo Counties. ChoiceOne Bank offers insurance and investment products through its subsidiary, ChoiceOne Insurance Agencies, Inc. ChoiceOne Financial Services, Inc. is the holding company headquartered in Sparta, Michigan.
(269) 488-1606 Lender's profile and map Reviews Summit Home Mortgage, LLC 414 W Milham Avenue, Portage, MI, 49024 Summit Home Mortgage, LLC provides the promise of longevity and security along with a commitment to service excellence. We are recognized as the industry leader in mortgage partnerships because we are experts in our business and deliver outstanding service to our customers. We offer hundreds of loan choices to our customers
(269) 488-2025 Lender's profile and map Reviews EST Home Mortgage 1302 W Milham Ave, Portage, MI, 49024 EST stands for Excellence, Service, and Trust. We provide our clients with first-class mortgage planning, including giving you a total cost analysis, which is not offered by other mortgage brokers, online lenders, or local credit unions. We believe in high-touch and high-tech. We provide an easy online application, mobile-friendly communication.