USDA and FHA Pro and Con in Odenville, St. Clair County, AL
For the year 2026, the USDA loan limit in Odenville, situated within the county of St. Clair, AL, is set at $336,500. In contrast, the FHA loan limit for a single-family dwelling is $472,030.
Utilize the Lendersa® USDA loan calculator to examine and compare the current top rates of USDA and FHA loans. This tool helps you understand the necessary income, credit score, reserves, and documentation required for eligibility. Our sophisticated mortgage calculator further allows you to view USDA, FHA, Conforming, and VA loan options side by side, assisting you in determining which program aligns best with your financial goals in .
Loan Limits and Down Payment Requirements for 2026 in Odenville, St. Clair County, AL
Type of Loan
Maximum Amount
Obligatory Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover Your USDA and FHA Loan Choices in Odenville, AL
Lendersa® aims to secure the most favorable USDA or FHA loan for you efficiently and effortlessly. Begin by choosing from three options, each leading you to compatible lenders and suitable USDA loan programs.
The USDA home loan, endorsed by the United States Department of Agriculture, is commonly known as the USDA rural development loan or USDA mortgage. It is exclusively available in specified rural locales. Unlike FHA loans, which necessitate at least a 3.5% down payment, USDA loans require no down payment at all, facilitating homeownership in rural regions.
Established in 2003, HomeTown Bank is a community bank that has four locations in small towns across Alabama. Locally owned & operated. we are committed to a personal banking experience & being actively involved in the communities that we serve.
Our customers get the opportunity to work with experienced professionals who understand their commu
Faith Mortgage LLC offers a variety of loan programs to meet your needs. Available to you are FHA, VA, Conventional and USDA loan types. Ready to purchase a home, refinancing your existing home or needing cash out to do improvements or payoff debt, contact Faith Mortgage LLC 205-655-7250
In 1903 a group of far-sighted businessmen, led by J. Fall Roberson, Sr., joined forces to form a bank to serve the future businesses and citizens of Pell City and St. Clair County. One hundred and sixteen years and four generations of independent banking experience later, UnionState continues to grow and serve a broad community with twelve banking
Our Mission is to grow shareholder value through holding the highest standard of customer service with our customers by consistently exceeding expectations, building relationships and maintaining a strong and active presence in our communities. Metro Bank opened on May 30th, 1989.
Coosa Valley Mortgage, Inc. is a family owned business established in 1996 to serve St Clair County and the surrounding areas. Our mission is to offer competitive rates while providing top-notch customer service and finding the best loan product for your financial situation. We offer a variety of mortgage loan programs
201 20th St S, Irondale, AL, Birmingham, AL, 35210
Lends in Alabama
Empower your dreams with flexible financing solutions from Simple Funding LLC. We are a trusted lender dedicated to helping individuals and businesses achieve their financial goals. Whether you're investing in property, expanding your operations, or consolidating debt, we offer a variety of loan options to fit your needs.
Our credit union was federally chartered in 1956 to serve persons sharing a common bond. In our case, the common group being employees of the Southern Railway System in Alabama, now known as Norfolk Southern Railroad. For many years, the credit union's office was located in the diesel shop at Norris Yard.
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.
Established in 1996, NRS Community Development Federal Credit Union is poised to be the community financial institution of choice for the Birmingham area. Our purpose is to promote thrift, teach wise money management, provide financial products, and assist members in reaching their financial goals.
