In the year 2026, the USDA loan threshold in Columbiana, within the county of Shelby, AL, is set at $336,500, whereas for a single-family home, the FHA limit is $472,030.
Lendersa® offers a USDA loan calculator that allows comparisons of today's top USDA and FHA rates, showing the income, credit, reserves, and necessary documents to qualify. With our state-of-the-art mortgage calculator, you can analyze and compare USDA, FHA, Conforming, and VA options side by side, facilitating a decision on the most suitable program for your unique financial circumstances in .
2026 Loan Limits and Downpayment Essentials in Columbiana, County of Shelby, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Possibilities in Columbiana, AL
Lendersa® aims to promptly connect you with the most ideal USDA or FHA loans, doing so efficiently and with minimal stress. Begin with any of our three provided methods to match with lenders and find the right USDA loan offerings.
A USDA home loan is backed by the government, specifically the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. This type of loan is accessible only in rural areas. Unlike FHA loans that demand a minimum 3.5% down payment, USDA mortgages require no down payment at all.
We understand that buying or selling a home is one of the biggest decisions an individual or family can make. For that reason alone, we take this as seriously as you do, and will always put your priorities and needs before all else. Buying a home is about YOU, not us. Let us show you why our team is the dependable choice for your mortgage needs.
8899 S 700 E, Suite 12511075 S. State Street, Building 3, Sandy, UT, 84070
Laser Lending is part of the parent company Larson Real Estate Services He started his career selling new home construction in 1993. Later, he started Larson & Company Real Estate which continues to thrive today. With a desire to offer his clientele a solid mortgage option, he created Laser Lending in 2009. To round out his real estate offerings.
American Loans and Mortgage, we are all about creating and finding solutions for anyone and everyone who needs a loan to reach their goals. and also the best rates and programs, and get you the best loan for your particular situation. We promise to provide you with the most comprehensive communication and the lowest mortgage rates.
Atlas Mortgage Solution offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers. We are constantly striving to keep our process streamlined and user friendly. We want all borrowers involved to feel informed and cared about every step of the way.
South Towne Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
Alliance Lending Services (ALS) was founded on the belief that strategic planning and market knowledge are the foundation of the mortgage process. This belief has inspired a passion for delivering superior services that foster effective mortgage solutions. With over 20+ years of experience and knowledge in the mortgage industry.
Today’s hyper-competitive market requires companies to be nimble, innovative, and flexible. Our experienced leadership allows us to make decisions quickly and build a culture around these key principals: operational excellence drives value, and technology drives opportunity.We are a mortgage company that does things a little bit differently.
RANLife is a leader in residential lending.With our in-house staff and direct lender relationships with Fannie Mae, Freddie Mac, and Ginnie Mae, we've eliminated the middleman.RANLife runs all of our operations from Sandy, Utah greater Salt Lake City metropolitan.We have in-house processors, underwriters, funders, and closers available at all times
Western Mortgage Services, we are experts in “hard money” loans—we provide financing solutions when other lenders simply can’t.
WMS has served residential homeowners and real estate investors in Utah for over ten years. We fund residential, commercial, multi-family, and land loans that don’t meet the qualifications for traditional funding
488 East 6400 South, Suite 300, Salt Lake City, UT, 84107
Most anyone can close a deal; what sets The Loan Chef above the rest is how sweet the entire process is. With over a decade and a half of mortgage experience, an MBA from Westminster College, and numerous professional relationships throughout the real estate/construction industry
4500 S 777 E, Suite 215, Salt Lake City, UT, 84107
Shilo has nearly a decade of experience in the mortgage industry & currently holds his professional license. Shilo can offer borrower(s) a broad range of knowledge about the business, the loan process, and how to meet or exceed every borrowers mortgage needs. Combining the winning blend of an outgoing personality with a creative mind.
512 East Winchester, Suite 6400, Salt Lake City, UT, 84107
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