FHA VS Conventional loan programs in 2025 for Heflin, Cleburne County, Alabama

As of 2025, the limit for a conventional loan in Heflin, within the county of Cleburne, AL, is set at $726,200. Conversely, the FHA limit for a single-family residence is $472,030.

Utilize Lendersa® Conventional loan calculator to contrast today's top rates among Conventional, FHA, and USDA loans. It helps determine the needed income, credit, reserves, and documents for qualification. This advanced tool enables comparing Conforming Conventional loans, USDA, FHA, and VA side by side, guiding you to the best program for your financial needs in AL.

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Loan limits and down payment details for 2025 in Heflin, Cleburne county, AL

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

This table is applicable for zip codes: 36264

Options for Conventional and FHA Loans in Heflin, AL

Lendersa® strives to quickly secure the best suited Conventional, USDA, or FHA loan free from hassle. Choose from three starts to align with matching lenders and loan programs.

Outcomes from Lendersa's USDA loan matching process


  • Creative Financial
  • 320 Ohukai Rd, Suite 413, Kihei, HI, 96753
  • Locally Owned and Operated, Broker Kellie Pali- Cruz has access to many banks both local and international! One phone call can save you time and money! Don't be restricted by only one banks offering, allow yourself options! Kellie has many accolades including, The Real Estate Association of Maui's Affiliate Choice Award in 2008.
  • Pacific Home Loans, Inc.
  • 2395 S Kihei Rd, Suite 205, Kihei, HI, 96753
  • Pacific Home Loans offers a wide variety of loans, from First-Time Home Buyer programs to VA loans to Alt Doc loans for the self-employed. We offer more programs than any other mortgage provider in the state of Hawaii. We are able to do this because we are both a mortgage banker and mortgage broker.
  • Maui County Federal Credit Union
  • 1888 Wili Pa Loop, Wailuku, HI, 96793
  • Maui County Federal Credit Union was originally established in 1937 to serve the needs of Maui’s County, State, and Federal government employees and their families. It is the largest credit union on Maui with 55 employees serving nearly 20,000 members throughout the County of Maui. Anyone that lives, works,
  • Hawaii Community Federal Credit Union
  • 73-5611 Olowalu Street, Kailua Kona, HI, 96740
  • By 1991, a decade after acquiring Kohala Federal Credit Union, we became Hawaii Community Federal Credit Union and soon expanded membership to the entire Hawaii Island. We are exponentially larger than we were in the beginning but we continue to hold true to our fundamental philosophy – a group of people joining together to help each other succeed.
  • Island Home Capital, Inc.
  • 71-1744 Puu Kamanu Loop, Kailua Kona, HI, 96740
  • At Island Home Capital, our mission is to provide you with the necessary knowledge to make an informed, economic decision. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism
  • Point Financial
  • 75-240 Nani Kailua Dr, Suite 7, Kailua-kona, HI, 96740
  • Point Financial’s experienced mortgage experts have been servicing clients in West Hawaii for decades. We work with homebuyers and investors, just like you, who are purchasing homes and land who need a local mortgage professional with the experience and track record you can trust.
  • APEX Mortgage LLC
  • 76-6225 Kuakini Hwy C106, Kailua Kona, HI, 96740
  • APEX Mortgage LLC (NMLS 217406) originates mortgage loans thru their owner and licensed Mortgage Loan Originator, Barbara A Welsh (NMLS 224003). Barbara has been assisting Big Island property owners with loans for the purchase, refinance, construction and reverse mortgage needs for the past 28 years.
  • First Hawaiian Mortgage
  • 910 Honoapiilani Hwy, Suite 2, Lahaina, HI, 96761
  • At First Hawaiian Mortgage. We are located in Lahaina, Maui but service the entire State of Hawaii. First Hawaiian Mortgage is a correspondent lender offering Fannie Mae, Freddie Mac, FHA, VA, USDA products and we have aligned ourselves with portfolio lenders so we can offer a full range of loan products
  • HG Mortgage
  • 354 Uluniu Street, Suite 402, Kailua, HI, 96734
  • The HG Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Imperial Mortgage LLC
  • 1005 Keolu Drive, Kailua, HI, 96734
  • Our mission is to serve our customers with honesty integrity and competence. We pride ourselves in providing superior customer service and creating satisfied customers. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs based on their individual circumstances.
  • Paradise Home Mortgage LLC
  • 730 Kumukahi Pl, Honolulu, HI, 96825
  • Paradise Home Mortgage LLC we help you take full advantage of multiple lenders competing for your business to negotiate the lowest rate at the lowest cost which can save you tens of thousands of dollars in interest & fees! Due to the fact that we represent a large number of clients,we are able to offer wholesale pricing that is often not available.