Explore the differences! 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.

Explore offers from 100 lenders

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


  • Agora Lending
  • 1215 W. Rio Salado Parkway, Suite 107, Tempe, AZ, 85281
  • Agora Lending now a division of ONE AMERICAN BANK, is a next-generation mortgage software company and direct lender that originates high quality mortgage loans. We are wildly passionate about providing the consumer with an industry-leading price and a highly-intuitive, transparent, and efficient loan process.

  • Tri-Point Capital
  • 6424 E Greenway Pkwy #200-442, Scottsdale, AZ, 85254
  • Tri-Point Capital is a boutique lender offering Hard Money to experienced Investors for Residential Real Estate Acquisition, as well as Fix/Flip projects. Approval is based solely on the Real Estate and the experience of the Investor. First Deeds only. 6-12 Mos preferred - longer possible. Typical funding within 10 days. Draws disbursed within 24 h

  • First State Mortgage
  • 14624 North Scottsdale Road, Suite 240, Scottsdale, AZ, 85254
  • Since its founding in 1867, First State Bank's priority has been - and continues to be - to meet the financial needs of local businesses and consumers, and to continue the distinctive personal relationships our customers have come to expect.

    Through First State Bank Mortgage we offer an in-depth menu of mortgage programs allowing our customer

  • Inline Financial
  • 6929 E Greenway Pkwy, Suite 250, Scottsdale, AZ, 85254
  • "We are a veteran owned & operated mortgage company located in Scottsdale, Arizona.

    Inline Lending specializes in helping customers know when to refinance and helping them get most savings in the process when the time comes.

    Inline’s loan officers have extensive home refinancing knowledge"

  • De Anza Capital, Inc.
  • 6264 W Greenway Parkway, Suite 217, Scottsdale, AZ, 85254
  • De Anza Capital, Inc mission is to be the single source for a Scottsdale, Arizona mortgage. De Anza Capital is the Scottsdale Arizona mortgage company that provides loan origination, title and escrow services to consumers. In addition, De Anza Capital consistently offers on-time closing.

  • Clear Home Lending, LLC
  • 16427 North Scottsdale Road, Suite 410, Scottsdale, AZ, 85254
  • At Clear Home Lending, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you

  • Kierland Mortgage Group, Inc.
  • 6424 East Greenway Parkway, Suite 100, Scottsdale, AZ, 85254
  • Kierland Mortgage Group, Inc. is a full service Arizona mortgage company. Based in Scottsdale, Arizona, we are an Arizona-based mortgage company that wants to be your trusted guide through the Arizona mortgage industry to help you meet your current residential mortgage needs and long-term financial goals.

  • Clover Key Home Loans
  • 7047 E. Greenway Parkway, Suite 160, Scottsdale, AZ, 85254
  • At Clover Key Home Loans®, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available

  • Taylor Financial Group LLC
  • 6424 E Greenway Pkwy, Scottsdale, AZ, 85254
  • Taylor Financial Group LLC is a professional mortgage brokerage firm located in Scottsdale, Arizona. As a mortgage broker, we are different than a bank or credit union that offers mortgage products. They are retail lenders, offering their own limited number of loan options at higher retail interest rates.

  • Arizona Home Loan, LLC
  • 6239 E Marilyn Rd, Scottsdale, AZ, 85254
  • At Arizona Home Loan. We are a full-service mortgage company based in Scottsdale, AZ. We specialize in home purchase loans and refinancing in Scottsdale, Phoenix, Paradise Valley, and Gilbert. We also serve the surrounding cities in Maricopa County. Whether you are buying a home or refinancing in any of these zip codes: 85254, 85016,

  • Valley Savers Mortgage, LLC
  • 13402 North Scottsdale Road, Suite B-185, Scottsdale, AZ, 85254
  • The Valley Savers 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.

  • Marketline Mortgage, LLC
  • 16427 N Scottsdale Rd, Suite 410, Scottsdale, AZ, 85254
  • Come experience the Marketline difference. Quick, easy and stress-free is our goal! We go out of our way to find the lowest rates available for your situation, provide stellar personal service, keep you in the loop, and provide your financing as quick as possible. Above all, we want you to feel at home throughout the process.