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

In 2025, the loan limit for Conventional loans in Pelham, within Shelby county, AL is set at $726,200. The FHA limit, on the other hand, is $472,030 for a single-family residence.

Utilize the Lendersa® calculator to compare today’s premier rates for Conventional, FHA, and USDA loans. Assess income, credit standards, reserves, and required documents for qualification. Our sophisticated mortgage tool aligns Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in choosing the most fitting program in AL for your finances.

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2025 Loan Limits and Down Payment Requirements in Pelham, County of Shelby, AL

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

The table applies to the zip codes: 35043, 35124

Options for Conventional and FHA Loans in Pelham, AL

Lendersa® is committed to securing you the best Conventional, USDA, or FHA loans quickly and without hassle. Start your journey with any of the three options to find matching lenders and optimal loan programs.

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  • Dolan Mortgage Group
  • 22525 SE 64th PL, Suite 202, Issaquah, WA, 98027
  • We provide mortgage financing services to clients who are looking for someone to help negotiate today's challenging home loan marketplace. Whether you’re in Seattle, Ohio, or anywhere else in the great fifty. If you’re looking to purchase, refinance, simply check rates, or plan an amazing future, our mortgage experts can do it all.
  • Peak Mortgage Partners
  • 165 NE Juniper Street, Suite 202, Issaquah, WA, 98027
  • Peak Mortgage Partners! We are a Pacific Northwest mortgage broker and mortgage banker based in Issaquah, WA with licenses in the states of Washington, Oregon, and Idaho. We specialize in purchase loans and refinance of existing mortgages. We provide financing for other government programs such as FHA, VA, and USDA .
  • Pacific Northwest Trust
  • 22525 S.E. 64th Place Suite 2233, Issaquah, WA, 98027
  • Pacific Northwest Capital Partners is a Private Real Estate Lender Specializing in Hard Money, Bridge Loans, Secured by Commercial and Residential Investment Real Estate.We offer quick no-nonsense decisions based on the equity in any given property. Pacific Northwest Capital Partners is a local Seattle Company since 1998.
  • Juniper Capital
  • 11 Front St S, Suite 101, Issaquah, WA, 98027
  • Juniper Capital is one of the leading private money lenders in the greater Seattle, Washington area. We deliver fast commercial and investment residential real estate loans without the strict requirements that you may encounter with conventional lenders. We invite investors, borrowers, and brokers, throughout Washington and the Pacific Northwest
  • NorthWest Funding Group, Inc.
  • 802 Officers Row, Suite C, Vancouver, WA, 98661
  • We’re Northwest Funding Group, and we’re legacy builders. We build every loan experience around you, a unique approach that allows you to have a voice. You are heard, valued, and our investment in you is heartfelt. We love what we do and we know how to do it, which shows throughout every single step of the process.
  • Forrit Credit Union
  • 95 SW Taylor Street, Portland, OR, 97204
  • Forrit Credit Union was created in 1936 as Portland Federal Employee’s Credit Union. 45 founding members came together with the credit union philosophy of ‘people helping people’ to form a financial cooperative that could help provide them with personalized banking solutions. The resulting credit union’s mission — Forward Together.
  • Team Swan
  • 310 Southwest 4th Ave, 300B, Portland, OR, 97204
  • Team Swan is the destination for people to become homeowners. It is our mission to be the leading lender to provide families homes where they can create memories and share ideas. We want to help make people's dreams a reality by providing the security of a home for all families. All we need to do is put an address to your dream.
  • Capital M Lending, LLC
  • 209 SW Oak Street, Suite 200, Portland, OR, 97204
  • Capital M Lending is committed to providing ethical, honest and straightforward advice to our clients. Our financial professionals have the utmost integrity. They have the ethics, core values, and experience that meet Capital M Lending’s strict requirements Because we deeply respect our customers and value the work we do.
  • Lumen Mortgage Corporation
  • 920 SW 6th Ave, Suite 1200, Portland, OR, 97204
  • At Lumen Mortgage we incorporate innovative technologies that increase efficiency, protect customer information & boost communication.We provide real-time updates that keep our customers & business partners informed from pre-qualification through funding.Lumen Mortgage allows Oregon homeowners & homebuyers to view LIVE rates & prices.
  • Fidelity Mortgage Solutions LLC
  • 10211 SW Barbur Blvd, Suite 101A, Portland, OR, 97219
  • Our goal from the very first time you choose FMS is to make the process of financing your home as fast and easy as possible. We strive to make the process as easy to understand and convenient for you whether you are a first-time buyer or the most savvy real estate investor. We are an Oregon based company, licensed in Oregon and Washington states.
  • Alterna Mortgage Company
  • 10211 SW Barbur Blvd, Suite 107A, Portland, OR, 97219
  • Alterna Mortage has more programs than any bank. Better personal service than any large corporation. Lower fees and better rates too. Alterna Mortgage has programs that fit borrowers with perfect credit and borrowers that have had recent credit events. Being a broker we have mortgage loans that fit everyone.
  • Columbia Home Mortgage
  • 7845 SW Capitol Highway, Suite 5D, Portland, OR, 97219
  • Columbia Home Mortgage providing clients with the highest quality mortgage services, excellent rates, and the best customer service available in your area. He will work with you one on one to ensure that you get a clear mortgage solution tailored specifically to meet your financing needs. Whether you are purchasing your dream home.