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.

(973) 662-4141 868 miles Lender's profile and map Reviews Anything Commercial Loans 151 West Passaic St, Rochelle Park, NJ, 07662 We offer real estate & business financing for all kind of investment retail, properties, including commercial, industrial, multi-family, mixed use property, and more. Our unique approach allows us to close quickly and securely on business loans & real estate investments, even when conventional lenders turn you away.
(855) 606-4999 868 miles Lender's profile and map Reviews Centra Capital Investments 336 W Passaic St, Suite 310, Rochelle Park, NJ, 07662 Centra Capital Investments is a commercial real estate investment company offering hard money when traditional banks do not. We provide construction loans for both ground up new construction and renovation projects. Will consider both residential and commercial properties with a loan up to 100%
201 803 0423 868 miles Lender's profile and map Reviews Alpine Mortgage Services 201 W Passaic Street, Rochelle Park, NJ, 07662 At Alpine Mortgage, we specialize in providing the most competitive rates and closing costs on a Connecticut, Florida, New York, New Jersey and Pennsylvania mortgage. Our goal is to make your home loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service and appreciate the opportunity to
(201) 652-8776 868 miles Lender's profile and map Reviews Ascendia Bank 175 Rock Road, Glen Rock, NJ, 07452 Glen Rock Savings Bank was established in 1922 to provide a safe place for local New Jersey residents to get a fair return on savings and secure residential home mortgages. The bank was initially located across the street from the iconic “Rock” in the Glen and was eventually renamed Glen Rock Savings Bank.
(201) 925-3470 868 miles Lender's profile and map Reviews Commercial Mortgage Unlimited LLC 22 Tilghman Dr, Glen Rock, NJ, 07452 Commercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type. All property typesCommercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type.
(402) 586-2266 868 miles Lender's profile and map Reviews Commercial State Bank 519 East Broadway, Wausa, NE, 68786 Commercial State Bank is an independent, locally owned and managed bank with branches located in Wausa, Nebraska City, and Elkhorn, Nebraska. Commercial State Bank was chartered on November 30, 1925, when the Department of Trade and Commerce, Bureau of Banking, signed by Governor Adam McMullen issued the charter.
(718) 361-1002 869 miles Lender's profile and map Reviews Greater Metro Federal Credit Union 31-10 37th Avenue, Suite 403, Long Island City, NY, 11101 Greater Metro Federal Credit Union has been open since 1970. The credit union has assets totaling $91.03 Million and provides banking services to more than 4, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
(347) 765-0555 869 miles Lender's profile and map Reviews MK Capital Funding 3908 24th St Ste 5 , Long Island City, NY, 11101 MK Capital Funding is a one-stop lending company that focuses on investor’s needs and goals. We place “customers first” and do everything possible to provide great service, competitive rates and terms; as well as advice. We understand that projects are complex and that the lending process can be confusing sometimes.
(212) 935-9999 869 miles Lender's profile and map Reviews EZ Short Sales 3302 Skillman Ave, 2nd Floor, Long Island City, NY, 11101 EZ Short Sales connects home owners and buyers with specialized short sale specialists in their local market area. Users can search any city nationwide and quickly compare the local specialists, and choose the right specialist to work with. Most users search our site to find an specialist to help them Short Sale their home.
(718) 267-2562 869 miles Lender's profile and map Reviews Alma Bank 31-10 37th Avenue, Suite 400, Long Island City, NY, 11101 Alma Bank is a community bank that offers personal and business banking services. The bank was founded in 2007 and is based in Astoria, New York. We have a network of 13 branches in New York and New Jersey. For more information please visit us on the web at almabank.com or call our Customer Care
(347) 686-6000 869 miles Lender's profile and map Reviews UNFCU 24-01 44th Road, Long Island City, NY, 11101 he United Nations Federal Credit Union (UNFCU), founded in 1947, is a member-owned, not-for-profit cooperative that offers a range of banking, investment and insurance products and services to the global UN community. We have more than 155, 000 members in over 200 countries, assets in excess of USD $6B, and more than 600 employees.