In the year {CURRENT_YEAR}, the FHA loan limit applicable in Pell-City county of St. Clair, situated in the state of AL, stands at {DETAILS_LOAN_LIMIT_FHA1} for a single-family house. For properties with two units, it is {DETAILS_LOAN_LIMIT_FHA2}, while the limit is {DETAILS_LOAN_LIMIT_FHA3} for three units, and {DETAILS_LOAN_LIMIT_FHA4} for four-unit houses.
Regarding conventional loans, the upper limit for a single-family residence is {DETAILS_LOAN_LIMIT_CONVENTIONAL1}. This cap increases to {DETAILS_LOAN_LIMIT_CONVENTIONAL2} for homes configured with two units, {DETAILS_LOAN_LIMIT_CONVENTIONAL3} for those with three, and for residences with four units, it rises to {DETAILS_LOAN_LIMIT_CONVENTIONAL4}.
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The Lendersa® calculator is designed to enable you to compare FHA rates and terms against other available loan programs effectively. Delve into the exploration and comparison of Conventional loans, extensive Jumbo loans, VA options, USDA provisions, Non-QM loans, and hard money loans alongside FHA options.
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This year, the Loan Limits Comparison Table for {CURRENT_YEAR} in Pell-City county of St. Clair, AL serves to compare the FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To analyze qualification requirements such as income, reserves, and credit details, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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 |
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