2025 FHA Loan Limits for Muscle-Shoals, Colbert County, Alabama

For 2025, the FHA loan limits in Muscle-Shoals county of Colbert, AL are defined as $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.

The maximum amount for conventional loans for single-family homes is $548,250, with two-unit properties at $702,000, three-unit residences at $848,500, and four-unit homes at $1,054,500.

Use our FHA calculator to discover today’s top FHA rates and evaluate the downpayment, income, credit, reserves, and documentation needed for qualification.

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Refer to the Loan Limits Comparison Table for 2025 in Muscle-Shoals county of Colbert, AL, which presents maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comprehensive evaluation regarding income, reserves, and credit requirements.

Loan limits Muscle-Shoals county of Colbert, 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


  • The Hutson Company
  • 1244 Main Street, Gardendale, AL, 35071
  • The Hutson Company is a mortgage loan company that serves the entire state of Alabama. We specialize in brokering purchase mortgage loans for new and existing homes and also in refinancing existing mortgages. The Hutson Company has been in business for over 30 years. The Hutson Company does all types of mortgage loans including FHA, VA, USDA
  • Southern Home Mortgage Corporation
  • 888 US-431, Boaz, AL, 35957
  • Southern Home Mortgage Corp is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Wesley Mortgage
  • 9009 Carothers Pkwy, Suite A-3, Franklin, TN, 37067
  • Wesley opened its doors with a simple goal in mind: getting good people into good homes. It sounded simple enough, but it’s been a long road to get here, and our team has moved mountains to bring this dream to life. Wesley Mortgage is your local mortgage company based right here in Franklin, Tennessee.
  • Lisa McClellan Loans
  • 186 Main Street, Trussville, AL, 35173
  • We Make Home Loans That Are As Unique as You. We have the expertise to help you find a great mortgage solution. A 17 year veteran in the mortgage industry, Lisa is passionate about her customer's experience and satisfaction. Lisa McClellan pride herself on exceeding her customer’s expectations in finding the best rates, service, and options.
  • Faith Mortgage LLC
  • 186 Main St, Trussville, AL, 35173
  • Faith Mortgage LLC offers a variety of loan programs to meet your needs. Available to you are FHA, VA, Conventional and USDA loan types. Ready to purchase a home, refinancing your existing home or needing cash out to do improvements or payoff debt, contact Faith Mortgage LLC 205-655-7250
  • Regions Bank
  • 1900 5th Ave N, Birmingham, AL, 35203
  • Regions Financial Corporation (NYSE:RF), with $144 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas.
  • United Mortgage Group
  • 2321 1st Ave North, Birmingham, AL, 35203
  • We are a full-service mortgage company based in Birmingham, Alabama providing industry best solutions in residential purchase, refinance, renovation, and construction loans. Our product offering complements customers throughout Alabama, Florida, and Texas including Conventional, VA, FHA, USDA, and Jumbo loans.
  • America's First Federal Credit Union
  • 1200 4th Ave N, Birmingham, AL, 35203
  • America's First is a full-service financial institution with over $1.5 billion in assets and 19 branch locations across the Birmingham-Metro and Mobile, Alabama areas. As one of the strongest credit unions in the United States, we are committed to providing the most cost effective and convenient financial services for our members.
  • Alabama Central Credit Union
  • 3601 4th Ave S, Birmingham, AL, 35222
  • "Since 1938, AlabamaCentral Credit Union has been helping people improve their lives — making them easier and more secure, all while allowing hard-working folks to keep more of their money. Today, we serve over 17,000 members in 28 counties — with 9 branches from the Gulf Coast to north Alabama."
  • West Alabama Bank
  • 509 1st Avenue West, Reform, AL, 35481
  • Welcome to West Alabama Bank. We’re the hometown Bank for West Alabama, helping people, businesses and our communities grow stronger and better with each day. As a local Bank, we make decisions right here, which means we have the freedom to be creative and flexible in supporting you.
  • first federal Bank
  • 1300 McFarland Blvd NE, Tuscaloosa, AL, 35406
  • First Federal Bank loan originators are eager to help you with your home loan needs. We listen carefully to each borrower & use our diverse mix of lending products to fit your situation. Our loan originators are given a terrific support staff & the latest loan processing & automated underwriting technologies
  • Lotus Lending Group, LLC
  • 1522 Montclair Road, Irondale, AL, 35210
  • 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.