FHA VS Conventional loan in Gardendale, Jefferson County, Alabama

In 2025, the loan limit for conventional loans in Gardendale, located in Jefferson county, AL, is $726,200, whereas the FHA limit for a single-family residence is $472,030.

The Lendersa® Conventional loan calculator assists you in comparing today's best Conventional, FHA, and USDA rates. It also shows the necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator enables you to examine Conventional, USDA, FHA, and VA loans side by side, aiding in selecting the most appropriate program for your financial needs in AL.

Browse loan offers from 100 lenders

2025 loan limits and downpayment details in Gardendale, Jefferson county, AL

Type Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

Note: These figures are applicable to the zip codes: 35071, 35119

Loan options: Conventional and FHA in Gardendale, AL

At Lendersa®, our aim is to facilitate fast and effortless acquisition of the most favorable Conventional, USDA, or FHA loans. Choose from three pathways to find matching lenders and tailored loan programs.

Lendersa USDA loan request matching results


  • Residential Origination Capital Mortgage Corporation
  • 5698 Pirrone Road, Salida, CA, 95368
  • ROC Mortgage 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 you the latest in financial tools.
  • Imperial Mortgage & Real Estate Services
  • 4455 Gambah Drive, Auburn, CA, 95602
  • Imperial Mortgage & Real Estate Services has been serving clients in the Sierra Foothills for over 30 years. As both a Licensed Mortgage Broker and Realtor, Keith brings a unique set of skills to his clients. Keith has also been certified by the National Association of Realtors as a Seniors Real Estate Specialist.
  • Sierra Foothill Mortgage
  • 3257 Professional Dr, Suite A, Auburn, CA, 95602
  • Sierra Foothill Mortgage is a family owned and operated business, proudly serving the foothills for more than 25 years. Linda Andrews, owner-broker, has been in the real estate industry for just under 30 years. Chris Nagle, loan officer, has been in the real estate industry for just under a year. Together they are a team to make your loan
  • J and J Mortgage
  • 908 Taylorville Road, Suite 200, Grass Valley, CA, 95949
  • Jessica Burton, started this company in 2011 because she believed she could make a difference in the mortgage industry. She started out by herself working out of her garage with a dream of running a company that offered exceptional service and a wealth of knowledge. Today she has just that, a team of people who challenge themselves.
  • Golden State Home Loans
  • 10076 Alta Sierra Dr., Grass Valley, CA, 95949
  • Golden State Home Loans is a Mortgage Broker NMLS #1839739. Helping First Time Home Buyers and Existing Home Owners acquire Lower Interest Rate and Lower Fee Home Loans Broker NMLS #1839739. Helping First Time Home Buyers and Existing Home Owners acquire Lower Interest Rate. Whether you’re buying, selling, refinancing, or building your dream home
  • California Lending Source
  • 1024 Iron Point Rd, Suite 1017, Folsom, CA, 95630
  • California Lending Source is a residential and commercial loan brokerage that services all of California. Since 2009 we have been helping homeowners and consumers find the most suitable options available for them to achieve their financing goals. We have access to dozens of lenders to find the best loan products available that fit our clients.
  • Heritage Community Credit Union
  • 707 E Bidwell St, California, CA, 95630
  • Heritage Community Credit Union Credit Union (HCCU), not-for-profit financial cooperative, has provided friendly and trusted guidance to members in the greater Sacramento area since 1953. As a financial cooperative, HCCU can — with authentic credibility — deliver the brand promise that we want our members to, “Profit Wherever You Go.
  • United Financial
  • 718 Sutter Street, Suite 100, Folsom, CA, 95630
  • United Financial Services was founded by Todd Zancaner in 2006. Working for large banks and retail branches I realized that I could provide more to my clients with little over head and more experience then most of the big banks and I could give back to my clients so that is when I knew starting United Financial Services was the best option for me.
  • CARE Finance Group
  • 187 Blue Ravine Rd, Suite 130, Folsom, CA, 95630
  • At CARE Finance Group, we take an education first approach with our clients. We focus on their individual needs and goals to recommend the best programs for their situation. We want our clients to feel like they know what’s happening, what they’re getting into, and feel comfortable throughout the process.
  • Bentley Mortgage and Real Estate Services
  • 305 Natoma Street, Folsom, CA, 95630
  • Bentley Mortgage & Real Estate Services is a unique company that is changing the way people buy, sell, and finance their homes in the greater Sacramento area. Most of our consultants are both expert mortgage consultants and associated REALTORS. From loan pre-qualification to loan approval, from house hunting to contract negotiations.
  • Joe Alves, California Home Loans
  • 101 Parkshore Dr, Suite 100, Folsom, CA, 95630
  • At California Home Loans we treat you like family not another number like large Banks! As a local independent broker, we have access to lower wholesale rates that big banks and retailers cannot match. We can get you to the closing table in 20 days or less. we offering to our clients Conventional, FHA, VA, USDA, Reverse and JUMBO products.