USDA Loan Vs. FHA loan pro & con Gardendale, Jefferson County, AL

In 2025, the USDA loan cap in Gardendale, county of Jefferson, AL, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.

Use Lendersa® USDA loan calculator to compare the top USDA vs. FHA rates available today. Determine necessary qualifications such as income, credit, reserves, and documents. The advanced mortgage calculator offers a side-by-side look at USDA, FHA, Conforming, and VA loans to help you select the most suitable program in for your individual financial situation.

Choosing USDA and FHA Loan Options in Gardendale, AL

Lendersa® aims to quickly provide you with the best USDA or FHA loan without hassle. Select one of the three starting points to connect with matching lenders and USDA loan programs.

Understanding USDA Loans in AL

A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or mortgage and is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgage loans require no down payment.

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(731) 968-6624 Lender's profile and map Reviews Community Bank TN 19 Natchez Trace Drive, Lexington, TN, 38351 Headquartered in Lexington, Tennessee, we are locally owned and managed. We have three full service branches, two in Lexington and one in Jackson, Tennessee. Community Bank associates are plugged in, serving our communities in just about every volunteer and service organization in our markets.
470-682-1111 Lender's profile and map Reviews Shore Up Financial Services LLC 2047 Lawrenceville-Suwanee Rd Ste E, Suwanee, GA, 30024 Shore Up Financial Services was created for investors by investors and, as such, we understand the challenges faced and lending needs of investors. We structure financing for investors who appreciate a high level of service with direct answers, solid communication, and a confidence in that if it can be done, it will get done! "You work the miracle
(434) 426-0124 Lender's profile and map Reviews Solid Property Mortgage 7825 Georgetown Circle, Suwanee, GA, 30024 Nizar Ali a Mortgage Broker with Solid Property Mortgage LLC, offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Solid Property Mortgage LLC Offer various loan products - Conventional, Jumbo Mortgages, FHA & VA. Great Rates with Superior Service !!!
(678) 925-8662 Lender's profile and map Reviews Arch Capital Inc 4411 Suwanee Dam Road, Suite 760, Suwanee, GA, 30024 Arch Capital Inc provide innovative mortgage solutions for various situations, including: Conventional and Jumbo loans, Fixed and Adjustable Rate options, and government options, including FHA, VA and USDA loans. Contact a home loan specialist today for more information or apply online
(404) 934-6987 Lender's profile and map Reviews Nations First Home Mortgage Inc 5400 Laurel Springs Parkway, Suite 304, Suwanee, GA, 30024 Nations First Mortgage Inc is a company that provides a high level of expertise and service in the mortgage industry. We will provide superior personal service to buyers. We take pride in knowing that 70% of our business comes from repeat clients and their referrals. Our responsibility as mortgage professionals is to determine.
(770) 995-8078 Lender's profile and map Reviews Northstar Mortgage 2955 Horizon Park Drive, Suite A, Suwanee, GA, 30024 Northstar Mortgage is a locally owned and operated mortgage company located in Suwanee, GA. With more than two decades of experience serving the mortgage needs of our fellow Georgians, we have gained the knowledge of the industry that allows us to look out for the best interest of our clients and help them make wise and informed decisions.
(404) 433-8918 Lender's profile and map Reviews MyLendingPal, Inc 5400 Laurel Springs Parkway, Suite 304, Suwanee, GA, 30024 MyLendingPal was founded in 2018 by the founders and operators of Nations First Home Mortgage Inc, company located in Suwanee GA. MyLendingPal is owned and operated by Ricky Merchant, Ricky is Roger Merchant’s son founder of Nations First Home Mortgage Inc. MyLendingPal is currently licensed in State of Georgia
(770) 294-1165 Lender's profile and map Reviews MORTGAGE FUNDING GROUP, INC. 970 Peachtree Industrial Blvd, Suite 100, Suwanee, GA, 30024 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.
(770) 614-1157 Lender's profile and map Reviews DUNWOODY MORTGAGE SERVICES, INC. 4411 Suwanee Dam Rd, Suite 555, Suwanee, GA, 30024 Dunwoody Mortgage, our mortgage professionals are truly the best at working to find a way to get you a home loan -- and not just any loan, but the loan that works best for you. Whether you are looking to purchase or refinance, we are here to help!When other companies have told you "No" or more than likely told you nothing at all,
(770) 972-4955 Lender's profile and map Reviews THE PERPETUAL FINANCIAL GROUP, INC. 1325 Satellite Blvd NW, Building 1100, Suite 1120, Suwanee, GA, 30024 The Perpetual Financial Group, Inc. is a residential and commercial mortgage lender. We help consumers purchase & refinance residential property, and can also help businesses purchase owner occupied commercial property. We also work with investors for hard money/rehab loans. We are a licensed Mortgage Banker in Georgia & Tennessee.