FHA VS Conventional loan programs in 2025 for Montevallo, Shelby County, Alabama

For the year 2025, 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

2025 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


  • First Community Bank of Central
  • 715 Wilson St Wetumpka, Wetumpka, AL, 36092
  • First Community Bank of Central Alabama is a commercial Bank that has been open since August, 2001. We currently have offices in Wetumpka, Millbrook, Eclectic, Prattville, Tallassee, and Holtville. We also operate a Wealth Management Division and a full-service mortgage company, First Community Mortgage. It is our belief that a community is best
  • FIRST COMMUNITY MORTGAGE
  • 3090 Highway 14, Suite D, Millbrook, AL, 36054
  • Our mortgage experts give you the individual attention you deserve and treat you right. We know you're making a commitment in purchasing a home, refinancing, or tapping into your home equity. So we make a commitment to you: we can help you qualify, apply and be approved for the very best mortgage for you.
  • Guardian Credit Union.
  • 418 Madison Ave, Montgomery, AL, 36104
  • Guardian Credit Union is based in Montgomery, Alabama. With 64,000+ members and sixteen branches, we have all of the technology, financial products and personalized service you need to go bankless! Guardian is a member-owned, not-for-profit cooperative that provides financial services for our members including savings
  • Alabama Home Mortgage Loans
  • 242 Peace Church Rd, Suite A, Wetumpka, AL, 36093
  • "We are a Locally Owned Business offering Home Mortgage Services; We offer programs for New Home Purchase as well as Refinance for existing loans. Alabama Home Mortgage Loans is a local Mortgage Loan Origination service headquartered in Wetumpka, Alabama.Kim Williams, Senior Mortgage Loan Originator, founded Alabama Home Mortgage Loans in 2014."
  • The Hometown Bank Of Alabama
  • 2002 2nd Ave, Oneonta, AL, 35121
  • Established in 2003, HomeTown Bank is a community bank that has four locations in small towns across Alabama. Locally owned & operated. we are committed to a personal banking experience & being actively involved in the communities that we serve. Our customers get the opportunity to work with experienced professionals who understand their commu
  • The Citizens Bank of Fayette
  • 100 Temple Avenue South, Fayette, AL, 35555
  • In 1911, a fire swept through downtown Fayette, destroying most of the town. During the rebuilding, a business emerged. The State Bank and Trust Company, opened its doors in 1913. It adopted its current name, The Citizens Bank of Fayette in 1919. Founded by Thomas Henry Robertson, Sr, The Citizens Bank has been led by three generations
  • Real Estate Funding
  • 8421 Crossland Loop, Montgomery, AL, 36117
  • The Real Estate Funding 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.
  • NobleBank & Trust
  • 1509 Quintard Ave, Anniston, AL, 36201
  • At NobleBank, we are committed to providing the highest quality banking services with a friendly, family-oriented approach that helps both families and businesses in Central Alabama. It’s simple to open or switch your accounts to NobleBank, and our local bankers simplify the process by helping every step of the way.
  • West Alabama Bank
  • 509 1st Avenue West, Reform, AL, 35481
  • Welcome to West Alabama Bank. We’re the hometown Bank for West Alabama, helping people, businesses and our communities grow stronger and better with each day. As a local Bank, we make decisions right here, which means we have the freedom to be creative and flexible in supporting you.
  • Merchants Bank of Alabama
  • 900 Second Avenue SW, Cullman, AL, 35055
  • Merchants Bank of Alabama, a division of SouthPoint Bank, has become Cullman County’s go-to locally owned bank by going way out of our way. It’s an approach to banking that goes way back to 1907 when we opened in Hanceville, Alabama. Since then we’ve made a point of changing with the customer. Not just the times.
  • First Community Bank.
  • 420 2nd Ave SW, Cullman, AL, 35055
  • Located in northern Alabama, First Community Bank is an $120 million community financial institution operating since 1905. First Community Bank offers competitive interest rates on all deposit products including certificates of deposits, checking and savings accounts. We are also dedicated to providing competitive mortgage financing for purchases.
  • Cullman Savings Bank
  • 1652 2nd Ave SW, Cullman, AL, 35055
  • Cullman Savings Bank is a Bank with operations in one state. Cullman Savings Bank offers numerous mortgage programs including conventional, FHA, VA and construction mortgages and We offer competitive mortgage loan rates with local customer service to help you find the mortgage loan that is right for you