Explore the differences! FHA VS Conventional loan programs in Moody, St. Clair County, Alabama

For the year 2025, the conventional loan limit in Moody, located in St. Clair county, AL, is $726,200. Meanwhile, the FHA limit for a single-family home stands at $472,030.

Utilize the Lendersa® Conventional loan calculator to assess today's best rates among Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documentation necessary to qualify. With our advanced mortgage calculator, compare Conforming Conventional loans, USDA, FHA, and VA side by side to decide which program in AL fits your financial needs optimally.

Explore loan offers from 100 lenders

Loan limits and downpayment requirements for 2025 in Moody, county of St. Clair, AL

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

This table applies to the following zip codes: 35094, 35173, 35004, 35120

Conventional and FHA loan options in Moody, AL

The goal at Lendersa® is to facilitate securing the best possible Conventional, USDA, or FHA loan swiftly and with ease. Choose one of three pathways to find lending matches and loan programs tailored for you.

Lendersa USDA loan request and matching results


  • Immensity Group
  • 5000 Birch St, Suite 3000, Newport Beach, CA, 92660
  • Our mission is to revolutionize lending and realty services to enhance our clients' experience by meeting their needs with the utmost integrity and character. Residential Lending is of utmost importance in purchasing a home. iG has established a variety of loan programs to fulfill our clients diverse needs.
  • Cal Loans Direct, Inc.
  • 20262 Orchid St, Newport Beach, CA, 92660
  • At Cal-Loans Direct, Inc. we understand that your life is complicated enough. Our financial experts are here to make buying your first home, investment property or refinancing, easier than ever. We will walk you through our simple loan process step-by-step and present you with the very best loan options for your needs.
  • Golden Capital Group
  • 4630 Campus Dr. #200-D, Newport Beach, CA, 92660
  • Golden Capital Group is a private money lender located in California and Oregon. We are a direct residential and commercial lender that originates, underwrites and funds first and second mortgages secured against Real Estate. We conduct business in the states of California, Oregon and Washington.
  • Residential First Mortgage
  • 20151 SW Birch St, Suite 200, Newport Beach, CA, 92660
  • Residential First Mortgage it has been our vision to build a business from repeat clients & client referrals, ultimately creating “clients for life”.Because we do not advertise, our reputation is essential. In order to build and maintain that reputation we enter into each transaction with the idea of building strong relationships with our clients.
  • Inspire Home Loans
  • 4695 MacArthur Ct Ste 350, Newport Beach, CA, 92660
  • Inspire Home Loans Inc.is proud to be the affiliate lender of Century Communities,and exceptional service requires always doing the right thing for you, the customer Our customer-centered approach to home finance takes into account who you are, what you aspire to, and which mortgage programs will suit your financial goals.
  • Nikols Co
  • 4041 MacArthur Boulevard Suite 140, Newport Beach, CA, 92660
  • Nikols Mortgage Fund, LLC (the Fund) has attracted a loyal and sophisticated community of investors including prominent real estate executives, investment advisors, family trusts, family offices, self-directed IRAs, and investment LLCs. Many investors have previously made direct and active real estate investments,
  • Vision One Mortgage
  • 4100 Newport Place Drive Ste. 255, Newport Beach, CA, 92660
  • Vision One Mortgage is a direct lender offering residential property financing. Our product offering includes conforming, high balance/jumbo, FHA, and super jumbo loans. We offer fixed and adjustable rate refinance and purchase loans at competitive rates and costs- including *no cost loans.
  • Commercial Loan Corporation - Trust & Estate Loans
  • 20250 SW Acacia Street, Suite 105, Newport Beach, CA, 92660
  • Commercial Loan Corporation is a professional private money lender. We have been lending in California since 2007. In addition to lending our own money on residential rehab projects in California, Commercial Loan Corp also originates loans to trusts and estates in probate. and also We can help you maximize the distribution for your trust or estate.
  • Trust Deed Capital, Inc.
  • 120 Newport Center Dr, Newport Beach, CA, 92660
  • Trust Deed Capital, Inc. originates, procures, underwrites, and sells privately funded loans in California. We specialize in lending to experienced borrowers who make a business of finding properties to purchase at a discount, improving these properties where needed, and either selling them at a profit or holding them as a cash flow rental investme
  • Ocean Pacific Capital
  • 3300 Irvine Ave, Newport Beach, CA, 92660
  • Ocean Pacific Capital has been arranging, underwriting, structuring and placing Commercial loans, Apartment Loans and Joint Ventures on behalf of our clients since 1977. As a premier commercial loan consultant, we underwrite and arrange all commercial, construction & joint ventures and loans from $700,000.00 to $300,000,000.00 worldwide.
  • Marshall Reddick Real Estate
  • 4299 MacArthur Blvd, Suite 105, Newport Beach, CA, 92660
  • If you are looking to grow your wealth in real estate by investing your hard earned money, we can help. However, we do not have the zero-money and no-credit real estate deals, we do not sell expensive education programs or overpriced mentoring advice, and we are not get-rich-quick gurus.