FHA Vs. USDA loan program for Pelham, Shelby County, Alabama

As of 2026, the USDA loan limit in Pelham, within Shelby county, AL, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to explore and compare today's leading USDA versus FHA rates. This tool helps you determine the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side-by-side, guiding your decision on the most suitable program for your financial situation in .

USDA and FHA Loan Options in Pelham, AL

Lendersa® is dedicated to finding you the best possible USDA or FHA loan efficiently and effortlessly. Choose one of three starting points to connect with lenders and USDA loan offerings.

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Understanding USDA Loans in AL

The USDA home loan, backed by the Department of Agriculture, commonly called a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment at all.

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(615) 417-4710 Lender's profile and map Reviews Liberty Funding 2000 Mallory Lane, Suite 130, Franklin, TN, 37067 Liberty Funding is a commercial finance company specializing in commercial real estate loans. We offer refinance, purchase and construction funding both nationally and internationally. Liberty Funding provides a solid foundation of mortgage solutions for commercial properties nationwide.
(888) 407-2102 Lender's profile and map Reviews Wesley Mortgage 9009 Carothers Pkwy, Suite A-3, Franklin, TN, 37067 Wesley opened its doors with a simple goal in mind: getting good people into good homes. It sounded simple enough, but it’s been a long road to get here, and our team has moved mountains to bring this dream to life. Wesley Mortgage is your local mortgage company based right here in Franklin, Tennessee.
(800) 547-5407 Lender's profile and map Reviews Patriot Mortgage Group Inc 3401 Mallory Lane, Suite 209, Franklin, TN, 37067 We’re a group of mortgage professionals that got tired of working at large lenders and seeing them take advantage of their customer’s trust. That’s why we left, took our years of experience, and decided to create Patriot Mortgage Group.We are a mortgage broker. Mortgage brokers don’t work directly for any lender.
(615) 465-9137 Lender's profile and map Reviews FirstBank Mortgage 341 Cool Springs Blvd, Suite 100, Franklin, TN, 37067 FirstBank Mortgage, our core purpose is to help other people get to a better place. That better place may be the fulfillment that comes by helping to pay for their kid’s college tuition, helping with medical bills of a family member, or going on that vacation that they used to think was impossible
(615) 599-2101 Lender's profile and map Reviews Music City Mortgage 128 Holiday Court, Suite 121, Franklin, TN, 37067 Music City Mortgage, Inc. is family owned and operated. We are available for you 7 days a week. We answer our phones and emails and can get you pre-approved morning, noon or evening. With over 25 years in the business, our team is committed to providing our clients with the highest quality mortgage services.
(478) 219-1163 Lender's profile and map Reviews Macon-Bibb Employees Credit Union 150 Willie Smokie Glover Drive, Macon, GA, 31201 Macon-Bibb Employees Credit Union was established in 1951 to serve the employees of Macon and Bibb county Georgia and their families. The credit union is a member-owned financial cooperative providing affordable banking services to members. While banks return profits to stockholders
(850) 263-3267 Lender's profile and map Reviews Peoples Bank of Graceville 5306 Brown St, Graceville, FL, 32440 we provide local, convenient financial services to our customers and community. We offer a variety of financial services to our customers in Graceville and the surrounding communities. We will always strive to provide the very best banking with a small town, know your customer perspective of building customer relationships. We are banking on servic
(850) 547-2260 Lender's profile and map Reviews Community South Credit Union 1720 S Waukesha St, Bonifay, FL, 32425 Start your lifelong financial partnership with a credit union that is dedicated to serving its community and its members. Come catch the good life and see what good natured banking is all about!credit union that is dedicated to serving its community and its members. Come catch the good life
(478) 741-4428 Lender's profile and map Reviews Georgia Guard Credit Union 1030 Shurling Dr, Macon, GA, 31211 Georgia Guard Credit Union now offers 24-hour access to your account information from home. Online Account Access is a secure site in which you as member’s are able to: Check Account Balance Inquire on Account History Transfer Funds Between Accounts Order Checks and View New Styles Change Your Personal Access Password And much more
(720) 507-2200 Lender's profile and map Reviews Key Mortgage Experts 629 Vickery Park Dr, Nolensville, TN, 37135 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.
(615) 412-1212 Lender's profile and map Reviews TrueLink Capital Solutions 2255 Memorial Blvd, Suite 11211, Murfreesboro, TN, 37129 At TrueLink Capital Solutions, we want to help you by offering one of the best tools in the world of business: commercial finance. Small business loans can make it possible to make huge improvements, undertake exciting projects, increase profits, or simply get back on your feet.