FHA VS Conventional loan programs in Mountain-Brook, Jefferson County, Alabama
For the year 2026, the limit for a conventional loan in Mountain-Brook, located in Jefferson county, AL, is set at $647,200, whereas the FHA limit for a single-family residence is $420,680.
The Lendersa® Conventional loan calculator allows you to compare the current Conventional rates against FHA and USDA rates, and to determine the income, credit, reserves, and documentation necessary for qualification. Our comprehensive mortgage calculator enables you to view Conventional Conforming, USDA, FHA, and VA loans side by side, assisting you in selecting the most suitable program in AL for your financial circumstances.
Details of 2026 loan limits and down payment requirements in Mountain-Brook, Jefferson, AL
Loan Type
Loan Limit
Down payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This comparison is applicable to zip codes: 35213
Loan choices: Conventional and FHA in Mountain-Brook, AL
The aim of Lendersa® is to secure the most favorable USDA, FHA, or Conventional loans for you promptly and with ease. Choose one of three entry points to connect with lenders and loan programs tailored to your needs.
2 Office Park Cir, Suite 103, Birmingham, AL, 35223
Lends in Alabama
Jim King & Travis McGowin together have more than 80 years in the mortgage business here. When founded McGowin-King Mortgage in 1998, they did so with a simple goal in mind: to build a business on relationships & to foster those relationships with integrity, trust, & community involvement.Every loan brokered since that founding has been anchored.
500 Office Park Dr, Suite 410, Birmingham, AL, 35223
Lends in Alabama
Founded in 2001, Assurance Financial Group was created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time
"Since 1938, AlabamaCentral Credit Union has been helping people improve their lives — making them easier and more secure, all while allowing hard-working folks to keep more of their money.
Today, we serve over 17,000 members in 28 counties — with 9 branches from the Gulf Coast to north Alabama."
Our mission is simple: To help members like you enjoy the best possible financial life. We do this with low fees for our services, competitive loan rates, and helpful advice whenever it’s needed. Every day, in every way, you can count on us as a partner in making the most of your money.
APCO Employees Credit Union is a not for profit, full service financial institution. The Credit Union was formed in 1953 for the purpose of promoting thrift and providing a source of low cost credit for its members. APCO is member owned and operated and its only reason for existence is to help its members do better financially.
Regions Financial Corporation (NYSE:RF), with $144 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas.
We are a full-service mortgage company based in Birmingham, Alabama providing industry best solutions in residential purchase, refinance, renovation, and construction loans. Our product offering complements customers throughout Alabama, Florida, and Texas including Conventional, VA, FHA, USDA, and Jumbo loans.
America's First is a full-service financial institution with over $1.5 billion in assets and 19 branch locations across the Birmingham-Metro and Mobile, Alabama areas. As one of the strongest credit unions in the United States, we are committed to providing the most cost effective and convenient financial services for our members.
SouthPoint Bank was launched in October 2005 by former SouthTrust Corporation executives. Steve Smith, currently Chairman, President and Chief Executive Officer got the idea of opening a Bank when the former SouthTrust Bank was purchased by Charlotte-based Wachovia Corporation in June of 2004.
