FHA Loan Max Loan amount for Gulf-Shores, Baldwin County, AL in 2023

In 2025, FHA loan limit in Gulf-Shores county of Baldwin, Alabama is $356,362 for a single-family home, $456,275 for 2-units, $551,500 for 3-units, and $685,400 for 4-units.

The maximum loan amount of conventional loans on a single-family residence is $548,250, $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.

Use our FHA calculator to see today’s FHA best rates and determine the downpayment, Income, credit, reserves, and documents needed to qualify.

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Loan Limits Comparison Table for 2025 in Gulf-Shores county of Baldwin, Alabama compare FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To compare qualification requirements such as Income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™)

Loan limits Gulf-Shores county of Baldwin, AL

SFR 2 Units 3 Units 4 Units
FHA $356,362 $456,275 $551,500 $685,400
Conventional Conforming $548,250 $702,000 $848,500 $1,054,500
Convetional High Balance $548,250 $702,000 $848,500 $1,054,500
USDA $285,000 $285,000 $285,000 $285,000
VA $548,250 $702,000 $848,500 $1,054,500
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


  • Goldstar Mortgage Inc
  • 1557 Chesnut Bypass, Centre, AL, 35960
  • Goldstar Mortgage Inc. is located in beautiful Centre, Alabama. Our goal is to provide you with exceptional customer service, lowest rates, and minimal closing cost. Since 1995, Goldstar Mortgage has helped thousand of clients across the State of Alabama purchase their dream home, refinance to lower their payment
  • Integrity Mortgage Funding LLC
  • 4405 Mall Blvd, Union City, GA, 30291
  • At Integrity Mortgage Funding, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Family Security Credit Union
  • 2204 Family Security Place SW, Decatur, AL, 35603
  • Family Security Credit Union offers many convenient online services from their website 24 hours a day. Family Security Credit Union's online banking allows members to save time and money with online bill pay, check account balances, order checks, make loan payments, view e-Statements.
  • GMFS Mortgage
  • 4009-B Vineville Ave., Macon, GA, 31210
  • GMFS is licensed as a mortgage lender in the following states: Alabama, Arkansas, California, Colorado, Florida, Georgia, Illinois, Kentucky, Louisiana, Mississippi, New Mexico, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, and Virginia. GMFS is an approved Fannie Mae Seller-Servicer, Freddie Mac Seller-Servicer
  • First Mortgage Group
  • 118 E Moulton St, Decatur, AL, 35601
  • The First Mortgage Group team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • DREAM HOME MORTGAGE LLC
  • 1690 Beltline Road SW, Suite A, Decatur, AL, 35601
  • "Dream Home Mortgage is a locally owned mortgage company offering its services to customers in the entire state of Alabama. Our company helps clients secure mortgages with low rates and minimal out-of-pocket cost. We understand the value of one-on-one support for all clients. We've dedicated ourselves to providing unmatched service at every tu
  • Davidson Homes. Heritage Mortgage
  • 336 James Record Road, Huntsville, AL, 35824
  • In 2009, Adam Davidson’s vision came to life in the Huntsville, Alabama market. His new home building company, Davidson Homes, offered home buyers quality construction and materials, superior value and an unprecedented level of personalization. He committed himself to building an all-star team of employees
  • Stream Mortgage Group LLC
  • 3300 Benjamin E Mays Dr SW, Atlanta, GA, 30311
  • 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.
  • Bank Independent
  • 710 S Montgomery Ave, Sheffield, AL, 35660
  • Bank Independent is a locally owned community Bank committed to making a positive difference in people's lives. We've served the financial needs of folks across North Alabama since 1947 and have grown to become a highly-rated and well-respected $2.1 billion Bank. We couldn't be where we are today without our team members