Explore the differences! FHA VS Conventional loan programs in Gulf-Shores, Baldwin County, Alabama

In 2025, the conventional loan limit in Gulf-Shores, located in the county of Baldwin, AL, is $647,200, whereas the limit for FHA loans is $420,680 for a single-family home.

Leverage the Lendersa® Conventional loan calculator to assess today's best rates for Conventional, FHA, and USDA loans. Determine the requirements for income, credit, reserves, and necessary documents to qualify. Our sophisticated mortgage calculator showcases Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in selecting the program in AL that best suits your financial situation.

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Loan limits and down payment requirements for 2025 in Gulf-Shores, Baldwin county, AL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This analytical table pertains to zip codes: 36542, 36547

Discover Conventional and FHA loan opportunities in Gulf-Shores, AL

The aim of Lendersa® is to offer you the optimal Conventional, USDA, or FHA loan swiftly and effortlessly. Choose from three starting points to find matching lenders and tailored loan programs.

Lendersa USDA loan request and matching results


  • Colorado Mortgage Guy
  • 12413 S Arcaro Creek Ct, Parker, CO, 80134
  • Colorado Mortgage Guy provides new home mortgages, refinancing, FHA mortgages, VA home loans, HUD home mortgages, second mortgages, bad credit home loans for Denver and Colorado. Call 303.818.0699 for FREE Mortgage Consultation Mortgage Check-Up. FHA mortgages, VA home loans, HUD home mortgages, second mortgages, bad credit home.
  • Front Range Lending LLC
  • 10501 Sierra Ridge Drive, Parker, CO, 80134
  • Front Range Lending LLC treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify.
  • Rocky Top Lending
  • 10940 South Parker Road, Suite 223, Parker, CO, 80134
  • 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.
  • Samurai Capital Mortgage LLC
  • 6111 Ponderosa Way, Parker, CO, 80134
  • Samurai Capital is a Mortgage Brokerage passionate about solving the common pain points for our clients. We serve Real Estate Agents and Direct borrowers and also Stan Miller is the president of the mortgage company With over 25 years of service at Intel, Stan has focused over the last several years on applying his experience to help transform.
  • Colorado Mortgage Connect
  • 11231 Jordan Court, Parker, CO, 80134
  • We are a mortgage brokerage with a focus on education about real estate investing. We believe in educating our clients first – not selling. This empowers our clients to make informed choices.We take a consumer-direct approach strategy, reaching consumers where they seek education about home mortgage and first-time home buyer programs.
  • Core Value Lending
  • 17011 Lincoln Ave, Suite 606, Parker, CO, 80134
  • Welcome to Core Value Lending. Veteran owned and operated serving the states of Colorado, Florida, Virginia, and California founder of the and also Veteran owned and operated, Homes for Heroes affiliate, and true advocate for the VA home buyer servicing CO, VA, and FL Experienced, transparent, and hard working Ready To Work For You.
  • Redstone Bank
  • 15765 East Arapahoe Road, Centennial, CO, 80016
  • Redstone Bank is a full-service community bank offering you and your business all the products and services you will need as a valued banking customer. We make banking simple. No fancy names, no confusing fee schedules; just banking products and services that will help to streamline your banking functions and make life a little easier.
  • Alliance Guaranty Mortgage Corp
  • 6105 S Main St, Suite 200, Aurora, CO, 80016
  • Alliance is a family-owned and operated company. The founder and former CEO, Bill Skufca, served Colorado homeowners since 1958. He retired at the end of 2016 after commemorating 30 years of Alliance Guaranty Mortgage. In April of 2018 Bill passed away, leaving behind a legacy of Colorado home-ownership.