Explore the differences! FHA VS Conventional loan programs in Pelham, Shelby County, Alabama

In 2026, 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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2026 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

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.

Lendersa USDA loan request and matching results


  • KC Mortgage LLC
  • 504 Perry Street, Unit B, Castle Rock, CO, 80104
  • With over 30 years experience, Kay is the local expert to help you find the best option and rate, whether you just bought a new home or are refinancing your current home. KC Mortgage is a one-stop shop for all your mortgage needs in Colorado. Contact Kay today to schedule your free consultation.

  • MODlending LLC
  • 8783 Spruce Mountain Road, Larkspur, CO, 80118
  • Modlending, Inc. is an equal housing opportunity mortgage company. We are pledged to the letter and spirit of the United States policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing.

  • Redstone Bank
  • 15765 East Arapahoe Road, Centennial, CO, 80016
  • Redstone Bank is a full-service community bank offering you and your business all the products and services you will need as a valued banking customer. We make banking simple. No fancy names, no confusing fee schedules; just banking products and services that will help to streamline your banking functions and make life a little easier.

  • Alliance Guaranty Mortgage Corp
  • 6105 S Main St, Suite 200, Aurora, CO, 80016
  • Alliance is a family-owned and operated company. The founder and former CEO, Bill Skufca, served Colorado homeowners since 1958. He retired at the end of 2016 after commemorating 30 years of Alliance Guaranty Mortgage. In April of 2018 Bill passed away, leaving behind a legacy of Colorado home-ownership.

  • Mountain States Lending Inc
  • 7929 South Quemoy Way, Aurora, CO, 80016
  • Mountain States Lending are a first time home buyer needing financial assistance, buying your next investment property or something in between, we can help! We can help you purchase or refinance your primary residence, 2nd home or investment property. Along with the traditional Conventional, FHA, VA, Jumbo and USDA loans and more

  • Mortgage First LLC
  • 6140 South Gun Club Drive, Building K6, Suite 195, Aurora, CO, 80016
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Synergy Mortgage Solutions LLC
  • 7186 South Ukraine Street, Aurora, CO, 80016
  • We are independent mortgage brokers offering both purchase and refinance options for Conventional, FHA and VA mortgages. With our wealth of knowledge after nearly 20 years of industry experience our clients not only enjoy a smooth and fast process but also the lowest rates and costs for their specific scenario.

  • Custom Mortgage Solutions LLC
  • 7995 South Coolidge Way, Aurora, CO, 80016
  • Custom Mortgage Solutions, LLC, 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.

  • LaMoure Credit Union
  • 203 7th Street SE, Lamoure, ND, 58458
  • LaMoure Credit Union has been open since 1940. It's the 19th largest credit union in North Dakota with assets totaling $33.58 Million and providing banking services to more than 1, 000 members.

    The credit union is a member-owned financial cooperative providing banking services including savings, loans

  • Key Mortgage Corp
  • 18 Tower Ave, Rye, NH, 03870
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan

  • Maritime Mortgage Company
  • 1257 Washington Road, Suite 100, Rye, NH, 03870
  • We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. and also Maritime Mortgage Company, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it

  • Colorado Mortgage Guy
  • 12413 S Arcaro Creek Ct, Parker, CO, 80134
  • Colorado Mortgage Guy provides new home mortgages, refinancing, FHA mortgages, VA home loans, HUD home mortgages, second mortgages, bad credit home loans for Denver and Colorado. Call 303.818.0699 for FREE Mortgage Consultation Mortgage Check-Up. FHA mortgages, VA home loans, HUD home mortgages, second mortgages, bad credit home.