FHA Vs. USDA loan program for Spencer, Oklahoma County, Oklahoma

As of 2025, the USDA loan limit for Spencer, located in Oklahoma county, OK, is set at $336,500. In comparison, the FHA limit for a single-family home is $472,030.

The Lendersa® USDA loan calculator allows you to compare today’s best USDA and FHA rates, helping you determine the necessary income, credit, reserves, and documentation required for qualification. With this advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side to decide which program in best fits your financial situation.

Discover USDA and FHA Loan Options in Spencer, OK

The objective of Lendersa® is to connect you with the best USDA or FHA loan quickly and without hassle. Select one of three pathways to reach matching lenders and explore USDA loan programs suited to your needs.

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Understanding USDA Loans in OK

The USDA home loan, guaranteed by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgages require no down payment.

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(888) 772-3040 Lender's profile and map Reviews Jersey Central FCU 23 North Avenue East, Cranford, NJ, 07016 Jersey Central Federal Credit Union (JCFCU) is a not-for-profit financial cooperative, chartered in 1937 to serve employees of the Central Railroad of New Jersey (CNJ), who worked in the engine repair and train services departments in Jersey City, NJ. The founding members recognized the need for affordable
(908) 272-8330 Lender's profile and map Reviews SunQuest Funding, LLC 184 N Avenue E, Suite 300, Cranford, NJ, 7016 No matter what your financial situation looks like, the experts at SunQuest will analyze your income, assets and liabilities; we’ll coordinate with your attorney, accountant or advisers, to insure that your New Jersey mortgage supports your other financial goals.The two founding partners of SunQuest Funding represent more than 40 years of experienc
(732) 582-3338 Lender's profile and map Reviews First Alliance Home Mortgage 20 Jackson Drive, 2nd Floor, Cranford, NJ, 07016 First Alliance Home Mortgage, L.L.C. opened in 2004 and has since become one of the premier lenders in New Jersey. A Mortgage Banker/Broker with tremendous resources and a wide array of mortgage products we are committed to providing you with the best rates and mortgage programs available in today's market.
201 401 1382 Lender's profile and map Reviews Jersey Mortgage Company 511 South Avenue East, Cranford, NJ, 07016 Jersey Mortgage is a pioneer in the residential mortgage industry, with roots going back to 1930. We're committed to making your home buying experience as easy and affordable as possible. This commitment also extends to our employees, each of whom has an average tenure of over 8 years with the company. Our level of dedication to our customers is
(973) 716-0600 Lender's profile and map Reviews Regal Bank 570 West Mount Pleasant Avenue, Livingston, NJ, 07039 Regal Bank is a full service community bank headquartered in Livingston, New Jersey. Regal Bank serves, as our primary trade area, Essex, Hudson, Somerset, Union and eastern Morris Counties. Regal Bank offers the very best in products and services, designed to help you meet your personal financial goals.
9082422570 Lender's profile and map Reviews National Funding Services, LLC 416 Smith St, Perth Amboy, NJ, 08861 Our mission is to open the field for all investors who may have yet to get a chance through traditional banking institutions to get funding for their business and commercial endeavors. In today's commercial lending market, traditional banks have a very narrow scope for approvals; we can expand the spectrum of lending guidelines by opening fund
(732) 442-5648 Lender's profile and map Reviews United Poles Federal Credit Union 412 New Brunswick Avenue, Perth Amboy, NJ, 08861 United Poles FCU is a full-service credit union profitably serving the financial needs of the Polish-American ethnic communities through highly-motivated and professional staff. We remain focused on growing the wealth of our members and remaining their primary financial partner through all their life stages.
(732) 747-7800 Lender's profile and map Reviews K Hovnanian American Mortgage 90 Matawan Rd, Matawan, NJ, 07747 Hovnanian Enterprises, Inc., founded in 1959 by Kevork S. Hovnanian, is headquartered in Red Bank, New Jersey. The Company is one of the nation’s largest homebuilders with operations in Arizona, California, Delaware, Florida, Georgia, Illinois, Maryland, New Jersey, Ohio, Pennsylvania, South Carolina, Texas, Virginia, etc..
(845) 341-5000 Lender's profile and map Reviews Orange Bank &Trust Company 212 Dolson Ave, Middletown, NY, 10940 Orange Bank & Trust Company is an independent bank that began with the vision of 14 founders over 125 years ago. It has grown through conservative banking practices, ongoing innovation and an unwavering commitment to its community and business clientele to more than $2.0 billion in total assets.
(848) 203-2272 Lender's profile and map Reviews ATLANTIC HOME LOANS, INC 50 US 46, Pine Brook, NJ, 07058 Atlantic Home Loans was founded by experienced and respected mortgage banking professionals with over 100 years of combined experience, and has been offering clients superior mortgage advice with personalized service since 1999. Today, AHL is licensed in over 20 states and employs over 250 people who are dedicated to delivering the best loan
(800) 962-6613 Lender's profile and map Reviews Stratton Equities 28 Bloomfield Ave, Suite 302, Pine Brook, NJ, 07058 Stratton Equities is the Leading Nationwide Direct Hard Money & NON-QM Lender that specializes in fast and flexible lending processes. Our team is owned and operated by experienced Real Estate Investors providing a reliable and knowledgeable team to help all Real Estate investors succeed. No Upfront Fee's, No Junk Fee's No Tax Returns.