USDA Loan Vs. FHA loan for Spencer, OK [Oklahoma County Rates 2023]

In 2025, USDA loan limit in Spencer, county of Oklahoma, OK 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 Spencer, OK

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 Oklahoma?

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.

(301) 683-2800 1142 miles Lender's profile and map Reviews AFL-CIO Employees Federal Credit Union 555 New Jersey Avenue NW, Suite 100, Washington, DC, 20001 The mission of the AFL-CIO Employees Federal Credit Union is to be the primary financial institution for union members and their families, providing quality products and member service, consistent with the values of the labor movement As a credit union, we exist solely to serve the financial needs of our membership.
(202) 770-4466 1142 miles Lender's profile and map Reviews 314 Capital 455 Massachusetts Avenue NW, Unit 328, Washington, DC, 20001 314 Capital We specialize in the direct origination of long and short term loans for residential and commercial investment properties. We're a alternative to Hard Money, which means our programs are designed as a lower cost option while helping the investor achieve their goals of building quality and sustainable housing across the nation
(202) 726-2285 1142 miles Lender's profile and map Reviews Phi Beta Sigma Federal Credit 145 Kennedy Street NW, Washington, DC, 20011 PBSFCU is a full-service financial services provider, serving Sigmas, Zetas and their families internationally. While it is similar to a bank in terms of the services it provides, it is philosophically different in operation. PBSFCU is a full-service financial services provider, serving Sigmas, Zetas and their families internationally.
(202) 722-2000 1142 miles Lender's profile and map Reviews Industrial Bank 4812 Georgia Avenue NW, Washington, DC, 20011 "Founded on August 20, 1934, Industrial Bank is the oldest and largest African American owned commercial bank in the metropolitan Washington region. Since 1934, the bank has delivered essential banking and financial services that have contributed greatly to the growth and development of the Washington, D.C. community.
(240) 988-7995 1143 miles Lender's profile and map Reviews LBG Lending Services LLC 4333 Charles Crossing Drive, White Plains, MD, 20695 LBG (Led By God) Lending Servieces is a Christian and Veteran owned company. 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.
(619) 889-8400 1143 miles Lender's profile and map Reviews Shaffer Realty And Mortgage 244 Flores Lane, Vista, CA, 92083 We are your professional One Stop Shop for all your realtor and/or mortgage needs. Save Time and Money with us! The resourceful and creative team at Shaffer Realty And Mortgage is eager to help you move forward with more. If you need an experienced Mortgage and Realtor team focused on achieving your goals, give us a call.
(760) 632-5944 1143 miles Lender's profile and map Reviews GM MORTGAGE & REALTY PO Box 8249, Rancho Santa Fe, CA, 92067 GM Mortgage and Realty was founded in 1976 and was officially incorporated in 1986. Its founder, Jerry Manson, had a saying that still sticks to this day, “Promise only what you can deliver, and deliver what you promise.” Spanning three family generations, Jerry’s son John took over as president in 1995.
4438500588 1143 miles Lender's profile and map Reviews Loans For Flips LLC 3317 Plaza Way, Waldorf, MD, 20603 We find the best solution for your real estate investment deal whether it's a fix & flip, rehab/rental, ground up construction or a commercial deal, we've gotyou covered. We do the ground work to save you time so you can focus on your deal and making money! "We Listen. We Fund. You Win."
(812) 647-9794 1143 miles Lender's profile and map Reviews Paradise Valley Federal Credit Union 2700 E 4th Street, National City, CA, 91950 Paradise Valley Federal Credit Union serves the Seventh Day Adventist church membership and affiliated companies in the San Diego area. With over 80 million dollars in assets, Paradise Valley Federal Credit Union is a not-for-profit financial institution that is owned and operated by members.
(619) 292-3807 1143 miles Lender's profile and map Reviews GHI Mortgage 2434 Southport Way, Suite D, National City, CA, 91950 GHI Mortgage was founded in 2003, which was an expansive time in lending. While other companies were riding the housing bubble and engaging in risky lending practices, the team at GHI Mortgage took the responsible route by working with our customers to ensure they received a safe lending product that worked best for them, both now.
(619) 327-1400 1143 miles Lender's profile and map Reviews California Housing Administration 1625 Sweetwater Road, Suite D, National City, CA, 91950 California Housing Administration, 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.