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

In 2025, USDA loan limit in Pelham, county of Shelby, AL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Pelham, AL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Alabama?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(906) 632-4210 911 miles Lender's profile and map Reviews Federal Employees of Chippewa County Credit Union 119 East Water Street, Unit 1, Sault Sainte Marie, MI, 49783 Federal Employees of Chippewa County Credit Union is dedicated to service the financial and economic well-being of our members, while giving constant consideration to their present and future needs, while striving to exceed their expectations. We are a small Credit Union located inside the beautiful Army Corps of Engineers Building on Water Street
(906) 632-5300 911 miles Lender's profile and map Reviews Soo Co-op Credit Union 4489 I-75 Business Spur, Sault Sainte Marie, MI, 49783 Established in 1958, Soo Co-op Credit Union is a not-for profit Financial Cooperative serving over 23, 000 members in the Eastern Upper Peninsula. With a passion for continuous improvement, our focus is to provide personalized service and a complete range of financial services designed to meet the individual needs of our members
(906) 635-9910 911 miles Lender's profile and map Reviews Old Mission Bank 2701 Interstate 75 Business Spur Sault, Sault Sainte Marie, MI, 49783 Our Mission is to provide superior financial services and products to the businesses, individuals, and communities we serve. Our organization is a result of our community's desire to have more than one locally owned and controlled commercial banking option. Our success will be achieved by our unwavering efforts toward
(906) 635-6250 911 miles Lender's profile and map Reviews Central Savings Bank 511 Bingham Ave, Sault Sainte Marie, MI, 49783 Central Savings Bank has 9 locations with over 60 employees and more than $400 million in assets. The Bank is very involved in the communities it serves with organizations like United Way of the EUP, War Memorial Hospital’s Road to Recovery, Relay For Life of the EUP, the schools near its branches and many other local causes annually.
(715) 635-8273 911 miles Lender's profile and map Reviews Indianhead Credit Union 104 East Maple Street, Spooner, WI, 54801 Indianhead Credit Union was founded in March of 1961. The original charter was to serve the residents of Washburn County. The credit union is state chartered and operates under the laws of the State of Wisconsin. Our savings are insured by the NCUA, a U.S. government agency. Over the years, other credit unions have merged with ICU,
(715) 634-8931 911 miles Lender's profile and map Reviews Hayward Community Credit Union 15855 US Highway 63, Hayward, WI, 54843 Hayward Community Credit Union provides full financial services at two branch locations in Hayward and Cable Wisconsin. Hayward Community Credit Union now serves nearly 7, 500 members in our 7 county membership field to include: Ashland, Barron, Bayfield, Douglas, Rusk, Sawyer and Washburn.
(507) 532-2426 911 miles Lender's profile and map Reviews First Independent Bank 105 South Market Street, Marshall, MN, 56258 First Independent Bank provides personal care for each customer while having the expertise and resources of a large bank. With broad experience and the ability to work with more types of financing solutions than many competitors, First Independent Bank is a collaborative group of advocates for businesses and families in Minnesota.
(763) 782-7302 912 miles Lender's profile and map Reviews United Family Mortgage Monticello 8623 Elk Ave, Monticello, MN, 55362 United Family Mortgage has been in business for more than 20 years and we strive to offer our local Elk River family and friends the best mortgage services available, in addition to our extended family and friends in the Otsego, Ramsey, Zimmerman and Big Lake, MN areas. If you are in the area
(833) 319-3517 912 miles Lender's profile and map Reviews Insula Capital 627 Horseblock Rd, Farmingville, NY, 11738 Insula Capital Group is a private lender and real estate investment company providing short term fix and flip loans, construction loans, and permanent financing options, custom tailored to the needs of our clients. Our loans are underwritten in-house, resulting in lightning fast funding and an easy application, inspection
(631) 687-3510 912 miles Lender's profile and map Reviews Atlantic Home Capital Corp. 627 Horseblock Road, Suite 101, Farmingville, NY, 11738 Atlantic Home Capital is one of the most well established mortgage brokers on the eastern seaboard. We are multi state licensed & can originate FHA, VA & Reverse mortgages.Our management team has over 30 years combined experience.Our support staff is professional, courteous, diligent & proficient in mortgage procedures from origination to closing.
(203) 255-1700 912 miles Lender's profile and map Reviews Edgewood Capital Advisors 250 Pequot Ave, Southport, CT, 06890 Edgewood Capital is a private commercial real estate bridge lender focused on providing loans for borrowers acquiring or recapitalizing transitional value-add assets of all property types nationwide. Edgewood works closely with borrowers to provide a quick and customized resolution for their financing needs.