USDA Loan Vs. FHA loan for Chelsea, AL [ best of 2023]

In 2025, USDA loan limit in Chelsea, 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 Chelsea, 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.

(516) 562-6650 884 miles Lender's profile and map Reviews The Heart Center Federal Credit Union 100 Port Washington Boulevard, Roslyn, NY, 11576 The Heart Center Federal Credit Union has been open since 1976. The credit union has assets totaling $23.8 Million and provides banking services to more than 2, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to healthcare services employees.
(845) 786-1610 885 miles Lender's profile and map Reviews Backyard Mortgage 27 Bubenko Ln, Garnerville, NY, 10923 Backyard Mortgage Corp. is committed to helping you find the right mortgage product. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. Through our extensive list of excellent lenders, we will find the right loan for you.
(612) 298-8506 885 miles Lender's profile and map Reviews Optima Lending LLC 2819 Hennepin Avenue, Suite 2A, Minneapolis, MN, 55408 Optima Lending is a full-service mortgage company located in Minneapolis providing exceptional mortgage solutions to help you purchase your dream home. Start today with a free consultation with one of our Mortgage Care Professionals and Optima Lendings was founded with a distinct purpose to help our clients reach their financial goals
(806) 771-7717 885 miles Lender's profile and map Reviews Lone Star State Bank of West Texas 6220 Milwaukee Avenue, Lubbock, TX, 79424 Lone Star State Bank of West Texas is a full-service bank with locations in Lubbock, Odessa, Brownfield, Big Spring, & Midland. Providing comprehensive depository and lending products, our services are delivered with a “high touch” personalized approach. Lone Star is committed to providing superior responsiveness and value to our customers through.
(806) 798-5554 885 miles Lender's profile and map Reviews ALLIANCE Credit Union 6219 TX 327 Spur, Lubbock, TX, 79424 ALLIANCE Credit Union is a not-for-profit financial institution that serves anyone who lives, works, or worships in the counties of Lubbock, Hockley, Lamb, Hale, Floyd, Crosby, Garza, Lynn, and Terry. The mission of ALLIANCE Credit Union is to make a difference financially, and the vision is to be the best financial solution.
(806) 794-0044 885 miles Lender's profile and map Reviews Peoples Bank Texas 5820 82nd St, Lubbock, TX, 79424 Peoples Bank exists to place the needs of our employees, customers, and shareholders at the center of everything we do. We focus attention on the needs of local families, businesses, towns, and farmers. We take local deposits and then make loans back into the neighborhoods where our depositors live and work.
(806) 748-1305 885 miles Lender's profile and map Reviews Enhance Mortgage 5109 82nd Street, Suite 71135, Lubbock, TX, 79424 Enhance Mortgage in selling a land contract, deed of trust, contract for deed, private mortgage, or real estate note? When you want to convert that real estate note into fast, usable cash, our process is quick, easy, and ethical. There are many reasons to sell your real estate notes and whatever that reason is Enhance Mortgage can help you.
(806) 687-8015 885 miles Lender's profile and map Reviews City Bank Mortgage 6524 82nd Street, Suite 120, Lubbock, TX, 79424 City Bank has more than $3 billion in assets with 25 full-service banking locations and 13 mortgage loan production offices throughout Texas and New Mexico. Since 1941, City Bank has been committed to offering its customers revolutionary products and services to stay in touch with their needs.
(806) 317-0730 885 miles Lender's profile and map Reviews HubCityLending 7407 93rd St, Lubbock, TX, 79424 HubCity Lending is composed of a group of highly experienced and seasoned, certified, financial professionals. With our knowledge and expertise, we can usually find a solution for all your financing needs. Unlike a bank, or local lending institution, which only lend to the most credit-worthy businesses.
(315) 437-0001 885 miles Lender's profile and map Reviews Quickline Capital Partners, Inc 4713 Crossroads Park Dr, Suite 101, Liverpool, NY, 13088 We help individuals and corporate borrowers secure the necessary capital, whether they need a refi, a stated income loan, fix-and-flip financing, or improvement financing. While some properties are harder to finance than others, most anything can be financed with some expert help. We can finance.
(800) 343-8979 885 miles Lender's profile and map Reviews Paragon Home Loans, Inc 225 Greenfield Parkway, Suite, Suite 207, Liverpool, NY, 13088 Paragon Home Loans, Inc. is a licensed mortgage banker by the New York State Department of Financial Services. Founded in 1976, Paragon Home Loans focuses exclusively on the residential mortgage needs of its customers. We have eight convenient locations in Syracuse, Buffalo, Plattsburgh, Binghamton, Utica, Lake Placid, Cortland and Corning.