Explore the differences! FHA VS Conventional loan programs in Valley, Chambers County, Alabama

In 2025, Convetional loan limit in Valley, county of Chambers, AL is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in AL is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Valley, county of Chambers, AL

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

The comparison table applies to zip codes: 36854, 36872

Conventional and FHA loan options in Valley, AL

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • 1 Mortgage LLC
  • 9674-4 Eagle Ranch Rd, Albuquerque, NM, 87114
  • 1 Mortgage LLC is a wholesale brokerage versus a bank that closes and funds their own loans. We have many wholesale lender partners that we work with that offer an array of solutions for whatever your home loan needs may be serving both New Mexico and Colorado. We answer our phone 7 days a week and are available to help you.
  • Financial Mortgage Solutions LLC
  • 9680 Eagle Ranch Road Northwest, Unit 6, Albuquerque, NM, 87114
  • Financial Mortgage Solutions was started in the Fall of 2006, shortly before the struggles in the housing market began. We not only made it through those difficult times, we also helped hundreds of people lower their payments and buy their dream homes despite the challenging market.
  • Border Bank
  • 202 Main Street, Badger, MN, 56714
  • Border Bank has proudly served residents and businesses providing friendly, personalized service that is focused on its customers. The bank has ten locations across Minnesota and North Dakota to serve its customers Badger, Baudette, Clearbrook, Coon Rapids, Fargo, Greenbush, International Falls, Middle River, Roseau, and Thief River Falls.
  • Precision Mortgage Group
  • 920 N Telshor Blvd, Suite B, Las Cruces, NM, 88011
  • At Precision Mortgage, we’re dedicated to giving each customer a great experience. Our local home Loan Originators have decades of combined experience in the mortgage industry & can help you reach your short- and long-term goals. Our local specialists have the resources of a huge national mortgage company & the friendly attitude of your neighbors.
  • Collegiate Peaks Bank
  • 105 Centennial Plaza, Buena Vista, CO, 81211
  • Collegiate Peaks Bank, Division of Glacier Bank is a growing community bank, serving personal and commercial customers. We currently have four bank Branches, in Salida, Buena Vista, Denver-RiNo, Denver-Belcaro and in February, 2020 we will be opening a Branch in the Denver Tech Center.
  • Affiliated Mortgage
  • 2920 W Main St, Suite 2, Rapid City, SD, 57702
  • Affiliated Mortgage, headquartered in Rapid City, South Dakota is a trusted national mortgage lender and home search tool that is bettering the way customers search and purchase real estate properties. Over the last 15 years, Affiliated Mortgage has helped 1, 000’s of veterans, conventional loan, and first-time homebuyers purchase
  • Blue Ribbon Mortgage and Investments
  • 2025 Jackson Blvd, Rapid City, SD, 57702
  • Blue Ribbon Mortgage and Investments. We are located in Rapid City, SD, but can help you with your home loan anywhere in the Black Hills. We are not only licensed in the Black Hills but anywhere in South Dakota, North Dakota, Wyoming, Montana & Colorado. We provide Purchase or Refinance Lending.
  • FirstLight Federal Credit Union
  • 3105 Del Rey Blvd, Las Cruces, NM, 88012
  • FirstLight Federal Credit Union is a community financial cooperative dedicated to helping you and your families achieve financial security by providing accessible products, services, tools and education. In 1955, nine pioneers developed a plan to help military and civilian personnel on Biggs Air Force Base have more access to credit