FHA Loan Limits for Fairhope, Baldwin County, AL in 2025

For 2025, the FHA loan limits in the county of Baldwin, within Fairhope, AL, are set at $472,030 for a single-family home. For two-unit homes, the limit is $604,400, for three units it's $730,525, and for four units, the cap is $907,900.

The maximum conventional loan amount for a single-family residence is $726,200, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four-unit properties.

Utilize our FHA calculator to view today's top FHA rates and determine the downpayment, income, credit requirements, reserves, and documentation needed for qualification.

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The Lendersa® calculator lets you compare FHA rates and terms with all other loan programs' rates and terms. Consider options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in comparison with FHA.

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The Loan Limits Comparison Table for 2025 in Fairhope county of Baldwin, AL offers a detailed comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To evaluate qualification requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).

Loan limits Fairhope county of Baldwin, AL

SFR 2 Units 3 Units 4 Units
FHA $472,030 $604,400 $730,525 $907,900
Conventional Conforming $548,250 $702,000 $848,500 $1,054,500
Convetional High Balance $726,200 $929,850 $1,123,900 $1,396,800
USDA $336,500 $336,500 $336,500 $336,500
VA $726,200 $929,850 $1,123,900 $1,396,800
None-Qm $1,500,000 $1,500,000 $1,500,000 $1,500,000
None- QM- Super Jumo $5,000,000 $5,000,000 $5,000,000 $5,000,000
Reverse Mortgage (HECM) $822,375 $822,375 $822,375 $822,375
Proprietary Reverse Mortgage (Non-FHA) $4,000,000 $4,000,000 $4,000,000 $4,000,000
Hard Money $90,000,000 $90,000,000 $90,000,000 $90,000,000


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  • Royal United Mortgage was founded with the belief that there had to be a better, friendlier, more honorable way to provide people loans.A way that brought compassion to the mortgage loan industry.A way dedicated to improving lives.Well, that belief lives on here today.Making a difference in the lives of the communities we serve is our top priority.
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  • First Financial Mortgage Services LLC
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  • First Financial Mortgage Services can really save you money. You will provide information about your employment, assets, and residence history. With your permission, we will run your credit score and report. After we've finished reviewing the provided information, we'll provide a pre-qualification letter.
  • Jennifer Hall - Hometown Lenders
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  • Peoples Bank
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  • Peoples Bank is a Bank with operations in fifty states. Peoples Bank offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, reverse and construction mortgages and Peoples is a member of the Russell 3000 index of U.S. publicly-traded companies
  • Mid America Mortgage, Inc
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  • Citizens Federal Savings Bank
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  • Citizens FSB has a very a rich heritage! As you will see it is the foundation of what we believe to be the strongest regional financial institution in the country.Citizens FSB is a Commercial Real Estate lender & a Preferred Home Loan provider and is a preferred home loan provider with emphasis on competitive interest rates & low closing costs.
  • Planet Cheapskate Home Loans
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  • Ruoff Mortgage
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