USDA Loan Vs. FHA loan pro & con for West-Reading, Berks County, PA

In 2025, USDA loan limit in West-Reading, county of Berks, PA is $285,000 while FHA limit is $356,362 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 West-Reading, PA

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 Pennsylvania?

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.

(800) 598-5002 97 miles Lender's profile and map Reviews Wayne Bank 717 Main Street, Honesdale, PA, 18431 Founded in 1871 in Honesdale, PA, Wayne Bank has 26 community offices serving Northeast Pennsylvania, along with Delaware and Sullivan Counties in New York State. Wayne Bank also operates offices as Bank of the Finger Lakes and Bank of Cooperstown in Ontario, Seneca, Yates, and Otsego Counties in New York State.
(570) 253-1970 97 miles Lender's profile and map Reviews The Dime Bank 820 Church Street, Honesdale, PA, 18431 At The Dime Bank, we believe in relationships. With offices in Honesdale, Hawley (downtown and the lake region), Damascus, Greentown, Dingmans Ferry, and Carbondale, we strive to be our communities’ total financial partner. We have been helping generations of customers in Northeastern Pennsylvania realize their goals and dreams by meeting their fin
(800) 462-9515 97 miles Lender's profile and map Reviews Honesdale National Bank 724 Main Street, Honesdale, PA, 18431 Founded in 1836, The Honesdale National Bank is the oldest, locally-owned, community bank headquartered in Northeastern PA with offices in Wayne, Pike, Susquehanna, Lackawanna, & Luzerne counties. Visit www.hnbbank.bank/about/convenient-locations/ for locations & hours. HNB offers full-service personal & business banking and safe deposit boxes.
(718) 720-5626 97 miles Lender's profile and map Reviews Island Capital Services LLC 84 New Dorp Plaza, Suite 206 & 208, Staten Island, NY, 10306 Shop For Your Loan Today, Live In Your Home Tomorrow Island Capital Service 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
2405080730 98 miles Lender's profile and map Reviews Navigator Private Capital 1910 Towne Centre. Blvd Suite 250, Annapolis, MD, 21401 Offering a better alternative to hard money, Navigator Private Capital, LLC (NavCap) has reimagined private real estate lending—making it accessible to real estate investors at all experience levels. As private money lenders, we fund short- and long-term low-risk development projects nearly nationwide including fix-and-flip, DSCR, bridge, and new c
(410) 260-2000 98 miles Lender's profile and map Reviews Severn Bank 200 Westgate Circle, Suite 200, Annapolis, MD, 21401 We are a community bank located in Anne Arundel County offering full-service banking including residential lending, commercial banking, and personal banking. Our mission is to enhance our community by investing in the climate, culture, commerce, and people of the Chesapeake Bay region.
(844) 230-6679 98 miles Lender's profile and map Reviews South River Mortgage 1 Park Place, Suite 540, Annapolis, MD, 21401 At South River Mortgage we put our customers first. We are a trustworthy broker who will help our senior citizens find the best reverse mortgage plan to benefit their unique situation. Unlike a lender, we will compare different options that best fit our borrower’s needs. It is our goal is to give seniors the peace of mind
(888) 699-1769 98 miles Lender's profile and map Reviews Bay Rock Home Loans LLC 839 Bestgate Road, Suite 131, Annapolis, MD, 21401 BlackRock Home Loans works with a strong portfolio of private lenders that help borrowers with unique financial situations to provide them with niche lending products that meet their needs. There are great products available for borrowers who can't qualify for loans with traditional documentation.
(443) 808-8432 98 miles Lender's profile and map Reviews Wynn Point Mortgage LLC 888 Bestgate Road, Suite 401, Annapolis, MD, 21401 "Over the years, we have found that a team approach can be an effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world. We invite you to discover and experience the power of our services. We believe it has far-reaching benefits for our clients to get opinions"
(800) 351-5755 98 miles Lender's profile and map Reviews Heritage Financial, Inc. 175 Admiral Cochrane Dr, Suite 101, Annapolis, MD, 21401 At Heritage Financial, we are committed to putting our clients first and to find the best loan to finance your home. Heritage Financial is a full-service, residential lender, licensed in Washington D.C., Maryland and Virginia. Our experienced loan officers will guide you through the entire mortgage process.
(410) 703-9028 98 miles Lender's profile and map Reviews Redwood Mortgage Services 180 Admiral Cochrane Dr., Annapolis, MD, 21401 Established, in 1999, Redwood Mortgage Services is a full-service mortgage lender that has served thousands of clients in Maryland, Virginia, District of Columbia, Delaware and Florida. From day-one, we have been providing exceptional customer service while exceeding the industry's critical regulation standards.