2025 FHA Loan Limits for Red-Bay, Franklin County, Alabama

For the year 2025, the FHA loan limit established in Red-Bay within Franklin county, AL, is $356,362 for a single-family residence. For properties with two units, the limit is set at $456,275, for three-unit homes the threshold is $551,500, and for four-unit structures, it is $685,400.

The ceiling for conventional loans on a single-family home is $548,250. For properties containing two units, the maximum is $702,000; for those with three units, it is $848,500; and for four-unit properties, the cap extends to $1,054,500.

Utilize our FHA calculator to discover today’s most favorable FHA rates and obtain details on the required downpayment, income level, credit score, reserves, and documents needed to qualify.

Compare offers from an extensive pool of 100 lenders.

Explore Your Loan Options in Red-Bay, AL

The Lendersa® calculator provides the ability to compare FHA rates and terms with those of other loan avenues. Investigate and contrast options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.

Lendersa® gathers comprehensive loan program data from thousands of lenders and expedites comparisons tailored to your unique financial profile and needs within seconds.

The Loan Limits Comparison Table for 2025 in Red-Bay, situated in Franklin county, AL, contrasts maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan types. To assess and compare qualification essentials like income, reserves, and credit, engage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).

Loan limits Red-Bay county of Franklin, 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


  • North Alabama Bank
  • 13914 Highway 231-431 North, Hazel Green, AL, 35750
  • North Alabama Bank has been a locally owned & operated financial institution serving Madison County and the surrounding areas since 1989. We live, work, & worship in our community. We understand the importance of community. We understand that businesses in todays environment requires advanced technology to get ahead in these ever-changing times.
  • ALABAMA ONE
  • 1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
  • Alabama ONE was chartered in 1951 as the TRW Federal Credit Union. The name was changed to BF Goodrich Employees Federal Credit Union on July 18, 1973, and remained that through many years of growth and prosperity. In early 2001, BF Goodrich Employees Federal Credit Union was granted the status of a Community Credit Union.
  • RiverFall Credit Union
  • 2520 6th Street, Tuscaloosa, AL, 35401
  • RiverFall Credit Union is a full-service, member owned financial institution that has been serving its members since 1953. Let us help you move forward with the financial future you deserve. You'll love our FREE Reward checking accounts and great rates on loans. We invite you to find your pace at RiverFall.
  • 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."
  • ServisFirst Bank
  • 2500 Woodcrest Place, Birmingham, AL, 35209
  • ServisFirst Bank is a full service commercial Bank focused on commercial Banking, correspondent Banking, cash management, private Banking and the professional consumer market, emphasizing competitive products, state of the art technology and a focus on quality service. The Bank offers sophisticated cash management products.
  • Today's Financing
  • 85 Bagby Drive, Suite 337, Birmingham, AL, 35209
  • 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.
  • HAMILTON MORTGAGE CORPORATION
  • 2850 19th Street South, Suite 300, Birmingham, AL, 35209
  • "We have built a strong reputation for over 25 years as an outstanding mortgage banking firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout our southeast lending area. We're a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending"
  • Citizens Bank & Trust AL
  • 711 Gunter Avenue, Guntersville, AL, 35976
  • Today’s banking customers have come to expect convenient, advanced financial services. What you may not expect is truly personalized customer service from someone who takes time to understand your specific needs. At Citizens Bank & Trust, we believe you deserve both aspects in your banking relationship.
  • MCGOWIN-KING MORTGAGE
  • 2 Office Park Cir, Suite 103, Birmingham, AL, 35223
  • Jim King & Travis McGowin together have more than 80 years in the mortgage business here. When founded McGowin-King Mortgage in 1998, they did so with a simple goal in mind: to build a business on relationships & to foster those relationships with integrity, trust, & community involvement.Every loan brokered since that founding has been anchored.