Explore the differences! FHA VS Conventional loan programs in Gardendale, Jefferson County, Alabama
In 2026, 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.
2026 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
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.
The Hutson Company is a mortgage loan company that serves the entire state of Alabama. We specialize in brokering purchase mortgage loans for new and existing homes and also in refinancing existing mortgages. The Hutson Company has been in business for over 30 years. The Hutson Company does all types of mortgage loans including FHA, VA, USDA
ACIPCO Federal Credit Union is a member-owned, not-for-profit, financial cooperative. Since 1964, we've been serving members with low-cost financial services designed to help them enjoy a better way of life. Credit Union is a member-owned, not-for-profit, financial cooperative. Since 1964, we've been serving members with low-cost financial
"Hiott Financial Corporation was incorporated in 2003. We are dedicated to building relationships with our clients in a dynamic lending environment. HFC offers many mortgage products to meet the needs of our clients including USDA, FHA, Conventional, and VA. We enjoy alot of tradition and beauty here in the State of Alabama."
Our mission is simple: To help members like you enjoy the best possible financial life. We do this with low fees for our services, competitive loan rates, and helpful advice whenever it’s needed. Every day, in every way, you can count on us as a partner in making the most of your money.
APCO Employees Credit Union is a not for profit, full service financial institution. The Credit Union was formed in 1953 for the purpose of promoting thrift and providing a source of low cost credit for its members. APCO is member owned and operated and its only reason for existence is to help its members do better financially.
Regions Financial Corporation (NYSE:RF), with $144 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas.
We are a full-service mortgage company based in Birmingham, Alabama providing industry best solutions in residential purchase, refinance, renovation, and construction loans. Our product offering complements customers throughout Alabama, Florida, and Texas including Conventional, VA, FHA, USDA, and Jumbo loans.
America's First is a full-service financial institution with over $1.5 billion in assets and 19 branch locations across the Birmingham-Metro and Mobile, Alabama areas. As one of the strongest credit unions in the United States, we are committed to providing the most cost effective and convenient financial services for our members.
"Since 1938, AlabamaCentral Credit Union has been helping people improve their lives — making them easier and more secure, all while allowing hard-working folks to keep more of their money.
Today, we serve over 17,000 members in 28 counties — with 9 branches from the Gulf Coast to north Alabama."
