USDA Vs. FHA Pro and Con comparison in Moody, St. Clair County, AL
As of 2025, the USDA loan limit in Moody, within St. Clair county, AL, is set at $336,500. In contrast, the limit for an FHA single-family home is $472,030.
To evaluate today’s USDA versus FHA rates, use the Lendersa® USDA loan calculator. It assists in determining required income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best option in for your financial scenario.
2025 Loan Limits and Downpayment Requirements in Moody, St. Clair, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
USDA and FHA Loan Choices in Moody, AL
Lendersa® aims to secure the best USDA or FHA loan for you rapidly and effortlessly. Choose from three starting points to find suitable lenders and USDA loan programs.
A USDA home loan, endorsed by the government’s Department of Agriculture and also known as a rural development loan or USDA mortgage, is solely available in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans offer a no down payment option.
Peach State Bank & Trust is the largest true community bank in Hall County. We have a seasoned management team and a strong board of directors who are not only dedicated to our customers but to this community. We offer competitive rates, a variety of accounts - both personal and business. We hope you will call us or stop by today
"Founded in 1971 as HALLCO Community Credit Union, we grew into a full-service financial institution offering a wide range of banking products and services with branch locations in Gainesville, Oakwood, Flowery Branch and Cleveland.
As the communities and the needs of the residents in the area around us expanded, so did we"
HOMESTAR Financial Corporation is a full service mortgage banker controlling every aspect of the loan process with in house processing, underwriting, closing and funding of each mortgage transaction. Having an in-house team separates HOMESTAR from other mortgage companies because it is easier for HOMESTAR mortgage lenders to communicate quickly
The Pure Light Mortgage, Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Veritas Federal Credit Union is a Federally Chartered, Federally Insured Independent Financial Institution originally chartered on July 13, 1973 to serve the employees of Nissan Motor Corporation and other employers.Credit Union is a Federally Chartered, Federally Insured Independent Financial Institution originally chartered on July 13, 1973.
MidSouth Community Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder/owner of a unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
GMFS is licensed as a mortgage lender in the following states: Alabama, Arkansas, California, Colorado, Florida, Georgia, Illinois, Kentucky, Louisiana, Mississippi, New Mexico, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, and Virginia. GMFS is an approved Fannie Mae Seller-Servicer, Freddie Mac Seller-Servicer
Offering Home buying/refinancing at Wholesale Rates & Costs to Residents in Georgia. We are a family serving families and American Wholesale Mortgage, Inc. is blessed to be a part of your family's story. Thank you for that honor and privilege. Our goal is to provide you the experience, knowledge and support to make sure the process is as easy
Five Star Credit Union wants you to succeed. We partner with you to help you fulfill your financial goals. Checking is always free along with our debit card, mobile app, bill pay, free fraud text alerts, and the free Five Star Digital Wallet. Credit Union wants you to succeed. We partner with you to help you fulfill your financial goals.
First National Bank and Trust is located in Atmore, AL, United States and is part of the Depository Credit Intermediation Industry. First National Bank and Trust has 119 total employees across all of its locations and generates $10.46 million in sales (USD). There are 6 companies in the First National Bank and Trust corporate family.
