USDA Loan Vs. FHA loan pro & con West-Elmira, Chemung County, NY

During 2025, the USDA loan limit in West-Elmira, within Chemung, NY, is $285,000, while the FHA cap for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates and to ascertain the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, assisting you in determining which program in best aligns with your financial requirements.

Exploring USDA and FHA Loan Options in West-Elmira, NY

The mission of Lendersa® is to efficiently secure you the optimal USDA or FHA loan without unnecessary complexity. Choose one of three initial pathways to connect with lenders and discover USDA loan programs.

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Understanding USDA Loans in NY

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA mortgage or rural development loan, is an option available in exclusively rural areas. While FHA loans require a minimum down payment of 3.5%, USDA loans require no down payment at all.

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(214) 763-8458 Lender's profile and map Reviews Mortgage Resoruce Of Texas 311 E I-30, Suite 103, Rockwall, TX, 75087 Mortgage Resources of Texas is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering
(305) 296-8535 Lender's profile and map Reviews First State Bank of the Florida Keys 1201 Simonton Street, Key West, FL, 33040 We’ve always been about community. First State Bank has a long history of serving, reaching out, and connecting in the Florida Keys. We started out in 1955, with a single Key West branch and a handful of employees. As the Keys community grew, so did the Bank, steadily adding more services and branches.
(305) 296-6568 Lender's profile and map Reviews Southernmost Federal Credit Union 1004 Kennedy Dr, Key West, FL, 33040 You become an owner of the credit union with your membership. Because of the cooperative effort of all members, your credit union offers several advantages over other costly financial institutions. Your membership is effective as long as you maintain a $5 minimum Share Account balance.
(305) 296-8546 Lender's profile and map Reviews Monroe County Teachers Federal Credit Union 1442 Kennedy Drive, Key West, FL, 33040 The Monroe County Teachers Federal Credit Union is a not-for-profit, cooperative financial institution serving its members since 1950 with a wide range of services to meet all their financial needs. As a member, you actually are a owner of the credit union. Once you join the credit union, you are always a member.
(305) 294-6622 Lender's profile and map Reviews Keys Federal Credit Union 3022 N. Roosevelt Blvd, Key West, FL, 33040 In 1940, a group of naval station employees received a federal charter and founded NAVSTA Federal Employees Credit Union. Our founders believed if they pooled their money together, they could provide more affordable financial services for everyone. They had a vision, and over 80 years later their vision has become Keys Federal Credit Union!
(305) 294-1484 Lender's profile and map Reviews Keys Financial Mortgage Corp 302 Southard Street, Suite 212, Key West, FL, 33040 Keys Financial Mortgage is a mortgage brokering institution that prides itself in providing high quality home loan services to the public. It is our mission to provide high quality mortgage programs at the most competitive rates. Our goal is to provide our clients with the resources of the nation’s best lenders,
(936) 829-1616 Lender's profile and map Reviews Temple-Inland FCU 109 N Temple Drive, Diboll, TX, 75941 Temple-Inland FCU Any full time employee or retired employee of Georgia Pacific is eligible for membership. Employees of Atlas, Katherine Sage Day Care, Diboll ISD, Crown Colony, the City of Diboll, the Correctional Center, Security & Guaranty, and Ronson may also join. If you have an account your family members.
(972) 524-3411 Lender's profile and map Reviews American National Bank of Texas 102 West Moore Avenue, Terrell, TX, 75160 Since 1875, American National Bank of Texas (ANBTX) has been a community bank deeply involved with local business owners, possessing a clear understanding of their challenges, goals, and financial needs. We strive to build lifelong relationships by listening first and then building an integrated product and services mix from our portfolio.
(972) 771-8311 Lender's profile and map Reviews Lakeside Bank 2805 Ridge Road, Rockwall, TX, 75032 Lakeside National Bank is dedicated to meeting our community's financial needs while maintaining a personal touch. At LNB, personal touch means a live person will answer the phone when you call, and when you need financing, your first meeting will be with the loan officer who will see your loan through from start to finish.
(214) 336-9222 Lender's profile and map Reviews Park Cities Lending, Inc. 1055 Equestrian Drive, Rockwall, TX, 75032 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.
(469) 931-8435 Lender's profile and map Reviews Anthony Bashton Mortgage Loans 311 S Jupiter Rd, Suite 110, Allen, TX, 75002 Anthony is a mortgage professional with more than 20 years in the business. He specializes in helping low and middle income families and individuals become home-owners. With dozens of home products at my disposal, I can help you find the mortgage that is perfect for your individual needs.
(832) 898-0681 Lender's profile and map Reviews We Loan Mortgage LLC 6001 Southridge Parkway, Parker, TX, 75002 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.