USDA Loan Vs. FHA loan for Alabaster, AL [Shelby County Rates 2023]

In 2025, USDA loan limit in Alabaster, county of Shelby, AL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Alabaster, AL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Alabama?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(585) 624-7474 848 miles Lender's profile and map Reviews Pittsford Federal Credit Union 20 Tobey Village Road, Pittsford, NY, 14534 Pittsford Federal Credit Union has now served members for 48 years, providing financial information resources, competitive products, and outstanding service. The Credit Union continues to grow and is currently among the largest five credit unions in the Greater Rochester area. In December, we reached $380 Million in assets.
(585) 263-4353 848 miles Lender's profile and map Reviews Rochester Home Equity Inc 180 Office Park Way, Suite 2000, Pittsford, NY, 14534 We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
(732) 462-6700 848 miles Lender's profile and map Reviews Freehold Savings Bank 68 W Main St, Freehold, NJ, 07728 Freehold Bank is a community-first financial services provider, and our commitment to growth shapes everything we do. We see growth potential everywhere we look, and our mission is to deliver solutions that genuinely serve your best interests. We are banking powered by good values, deep roots, friendly faces, and proven expertise.
(732) 336-0033 848 miles Lender's profile and map Reviews NJ Latvian Federal Credit Union 1017 State Route 33, Freehold, NJ, 07728 New Jersey Latvian Federal Credit Union has been open since 1971. The credit union has assets totaling $8.72 Million and provides banking services to more than 200 members. The credit union is a fraternal credit union. Membership is also open to immediate family of current members.
(866) 751-4999 848 miles Lender's profile and map Reviews Alexander Financial Solutions 181 South St, Unit B2, Freehold, NJ, 07728 AFS provides professional financial services for small and mid-size businesses throughout the US by advising, educating and introducing accounts receivable, small business loans and many other financing programs . Our team of talented business growth experts are here to help your business get the financial stability it needs
(732) 312-1500 848 miles Lender's profile and map Reviews First Financial Federal Credit Union 391 Route 9 North Freehold, Township, NJ, 07728 First Financial is a Community Credit Union serving anyone who lives, works, attends school or worships in Monmouth or Ocean Counties. Additionally, First Financial Federal Credit Union is a not-for-profit whose goal is to achieve your financial dreams by defining your dream goals and lifestyle, empowering you through financial education
(732) 410-4141 848 miles Lender's profile and map Reviews RED OAK MORTGAGE INC 54 Hudson Street, Suite 101, Freehold, NJ, 07728 Red Oak Mortgage has built a strong reputation as an outstanding mortgage lender, serving the lending needs of real estate professionals, builders and individual homeowners throughout the state of New Jersey, North Carolina, and South Carolina since 2005. Due to our high level of technology, streamlined process, speedy turn-times
(973) 725-7726 848 miles Lender's profile and map Reviews Patriot Mortgage LLC 77 W Main St., Freehold, NJ, 07728 Patriot Mortgage is committed to offering only the highest quality professional service to our mortgage clients, realtors and associates. We have built a reputation of offering honest, ethical and thorough service. We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals,
855-778-1000 848 miles Lender's profile and map Reviews Navesink River Capital 83 South Street, Suite 101, Freehold, NJ, 07728 Navesink River Capital, LLC has been a guiding force within the private lending market, with over a billion dollars funded and 1,500 plus properties financed. Their unsurpassed knowledge of the real estate climate and simplified, streamline loan process has allowed them to remain at the forefront, offering lightning loans from $75,000 to $2 million
(402) 329-6221 849 miles Lender's profile and map Reviews Midwest Bank 114 West Main, Pierce, NE, 68767 Midwest Bank focuses on the financial and civic needs in the markets we serve. The bank's solid capital position provides the financial strength to support larger lending limits, new loan types, and the latest customer conveniences and technological advances. Midwest Bank and its clients to excel in the communities they serve.