FHA VS Conventional loan programs in Montevallo, Shelby County, Alabama

For the year 2026, the Conventional loan limit in Montevallo, located in Shelby, AL, is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare today’s prime rates for Conventional, FHA, and USDA loans. Our advanced calculator assists you in understanding the credit, income, reserves, and documentation required for approval. It provides a side-by-side review of Conforming Conventional, USDA, FHA, and VA loan options to help you decide the best program for your financial needs in AL.

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2026 Loan Limits and Downpayment Needs in Montevallo, Shelby, AL

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

Applicable to ZIP codes: 35115

Options for Conventional and FHA Loans in Montevallo, AL

The primary aim of Lendersa® is to help you obtain the best possible Conventional, USDA, or FHA loan swiftly and effortlessly. Start with any of the three approaches that lead to matching lenders and suitable loan programs.

Insights from Lendersa USDA loan requests and results


  • Gravity Mortgage
  • 31290 Windstone Drive, Winchester, CA, 92596
  • At Gravity Mortgage, our Loan Officers search for the best rates and best terms from multiple financial institutions. Let us be your advocates and provide you with an unbeatable quote. we are dedicated to making buying a house as easy as possible. We provide mortgage solutions specifically geared for you.

  • Diversified Mortgage Group
  • 7977 W Marigold St, Garden City, ID, 83714
  • In Boise, Idaho, Diversified Mortgage Group has been providing quality real estate financing for over 14 years. With a proven track record, we strive to serve the lending needs of every homebuyer, and are dedicated to finding a home loan with a rate, terms and cost to meet your unique needs.

  • Alpha Lending, LLC
  • 3379 N. Lakeharbor Ln., Boise, ID, 83703
  • We offer bridge and commercial loans in Southern Idaho, Boise, Twin Falls, Nampa, and the surrounding areas. We work with private money sources to bring borrowers and lenders together and help our clients secure funding for a wide range of real estate loan needs. Our in-house underwriting department streamlines loans.

  • The Brooks Bailey Group
  • 108 Orange St, Suite 5, Redlands, CA, 92373
  • The Bailey Group Has Been An Active Top-Producer In The Southern California Real Estate Market Since He Began His Real Estate Career. This Is Because He Focused On What Is Most Important: You, The Client. Brooks Has Had The Frustration Of Seeing Other Agents Not Understand The Huge Responsibility And Honor.

  • Jayco Home Loans
  • 490 Alabama Street, Suite 101, Redlands, CA, 92373
  • The BEST at Hard Money. We are fast, efficient and no BS. Give us a call so we can get our heads wrapped around your scenario and your needs.

    We serve California, HOWEVER, will also speak to borrowers from other states, as we have various referral sources and will make the best recommendation for your needs.

  • Sunnie Baltes, Mortgage Lender
  • 300 E State Street, Suite 210, Redlands, CA, 92373
  • My goal is to make homeownership not only a goal, but a reality! I offer many loan programs for purchases and refinances such as Conventional, FHA, VA, USDA, JUMBO, Down Payment Assistance and First Time Homebuyer products. I provide financing for residential homes with occupancies of primary residence

  • Jennifer Lund Mortgage
  • 184 S. Eureka Street, Redlands, CA, 92373
  • "Jennifer Lund has established herself as a top producing and performing mortgage professional at Caliber Home Loans. Experience exceptional service at Jennifer Lund Mortgage. Equal Housing Lender.
    Licensed by the Department of Business Oversight under the CA Residential Mortgage Lending Act."

  • Viewpoint Financial
  • 127 East State Street, Redlands, CA, 92373
  • "Viewpoint Financial is a boutique mortgage brokerage that includes a Real Estate Listing and Sales Division. We are located in the historic city of Redlands, California.

    With mortgage experience dating back to 1984, being an approved broker with many different lenders, and having business and social relationships all over the Inland Empire,"

  • Citrus Heights Mortgage
  • 300 East State Street, Suite 480, Redlands, CA, 92373
  • 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.

  • About Redlands Realty
  • 14 North Fifth Street, Redlands, CA, 92373
  • About Redlands Realty is a full-service real estate agency in the heart of Redlands - serving the San Bernardino and Riverside Counties. From financing to closing deals on properties, our small (but mighty) team can help you through the entire home-buying, selling, and owning experience.

  • Jayco Home Loans
  • 490 Alabama Street, Suite 101, Redlands, CA, 92373
  • 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.

  • Three Rivers Bank of Montana
  • 233 East Idaho, Kalispell, MT, 59901
  • Three Rivers Bank of Montana is a place where you can still get to know your banker, get personalized attention and quick answers because we are independently owned and locally operated. We are a vital contributor of time, talent, and resources to the community we serve. We are dedicated to enhancing our shareholders value.