FHA VS Conventional loan programs in Grayson-Valley, Jefferson County, Alabama
In 2026, the conventional loan limit for Grayson-Valley, located in Jefferson, AL is $647,200, whereas the FHA loan limit for a single-family home is $420,680.
Lendersa® offers a Conventional loan calculator to compare top rates today for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and paperwork required to qualify. With our advanced calculator, view Conforming Conventional, USDA, FHA, and VA loan options side by side, helping you choose the best program for your financial situation in AL.
2026 Loan Limits and Downpayment Requirements in Grayson-Valley, Jefferson, AL
Loan Type
Loan Limit
Minimum Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This table applies to the zip codes: 35235
Discover Conventional and FHA Loan Opportunities in Grayson-Valley, AL
The Lendersa® mission is to offer the best possible Conventional, USDA, or FHA loan efficiently and without hassle. Begin with any of the three available starting points to match with lenders and loan programs.
Faith Mortgage LLC offers a variety of loan programs to meet your needs. Available to you are FHA, VA, Conventional and USDA loan types. Ready to purchase a home, refinancing your existing home or needing cash out to do improvements or payoff debt, contact Faith Mortgage LLC 205-655-7250
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. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
"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."
2 Office Park Cir, Suite 103, Birmingham, AL, 35223
Lends in Alabama
Jim King & Travis McGowin together have more than 80 years in the mortgage business here. When founded McGowin-King Mortgage in 1998, they did so with a simple goal in mind: to build a business on relationships & to foster those relationships with integrity, trust, & community involvement.Every loan brokered since that founding has been anchored.
500 Office Park Dr, Suite 410, Birmingham, AL, 35223
Lends in Alabama
Founded in 2001, Assurance Financial Group was created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time
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.
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
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.
