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Alabama Mortgage Loans: Refinance, Home Equity, Purchase a Home

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Balloon Payment
A Balloon Payment is the loan balance remaining at the end of the loan's repayment term. If a loan is amortized for 360 months and the loan is to be repaid at the end of the 180th month, there will be a significant payment due on the 180th month to repay the lender.

First Mortgage (Refinance and Purchase) Conforming Loan Limits:
Effective January 1, 2006

Single Family Residence Two Family Residence Three Family Residence Four Family Residence
$417,000 $533,850 $645,300 $801,950
Mortgage Loan Limits are 50% higher in Alaska, Hawaii, Guam, and the U.S. Virgin Islands are 50 percent higher than the mortgage limits for the rest of the country.

Second Mortgage (HELOC, Second Trust Deed):
$208,500
$312,750 in Alaska, Hawaii, Guam, and the U.S. Virgin Islands

FHA mortgage loan limts by County:
County Single Family 2 Units 3 Units 4 Units
AUTAUGA $200,160 $256,248 $256,248 $309,744
BALDWIN $200,160 $256,248 $256,248 $309,744
BARBOUR $200,160 $256,248 $256,248 $309,744
BIBB $200,160 $256,248 $256,248 $309,744
BLOUNT $200,160 $256,248 $256,248 $309,744
BULLOCK $200,160 $256,248 $256,248 $309,744
BUTLER $200,160 $256,248 $256,248 $309,744
CALHOUN $200,160 $256,248 $256,248 $309,744
CHAMBERS $200,160 $256,248 $256,248 $309,744
CHEROKEE $200,160 $256,248 $256,248 $309,744
CHILTON $200,160 $256,248 $256,248 $309,744
CHOCTAW $200,160 $256,248 $256,248 $309,744
CLARKE $200,160 $256,248 $256,248 $309,744
CLAY $200,160 $256,248 $256,248 $309,744
CLEBURNE $200,160 $256,248 $256,248 $309,744
COFFEE $200,160 $256,248 $256,248 $309,744
COLBERT $200,160 $256,248 $256,248 $309,744
CONECUH $200,160 $256,248 $256,248 $309,744
COOSA $200,160 $256,248 $256,248 $309,744
COVINGTON $200,160 $256,248 $256,248 $309,744
CRENSHAW $200,160 $256,248 $256,248 $309,744
CULLMAN $200,160 $256,248 $256,248 $309,744
DALE $200,160 $256,248 $256,248 $309,744
DALLAS $200,160 $256,248 $256,248 $309,744
DE KALB $200,160 $256,248 $256,248 $309,744
ELMORE $200,160 $256,248 $256,248 $309,744
ESCAMBIA $200,160 $256,248 $256,248 $309,744
ETOWAH $200,160 $256,248 $256,248 $309,744
FAYETTE $200,160 $256,248 $256,248 $309,744
FRANKLIN $200,160 $256,248 $256,248 $309,744
GENEVA $200,160 $256,248 $256,248 $309,744
GREENE $200,160 $256,248 $256,248 $309,744
HALE $200,160 $256,248 $256,248 $309,744
HENRY $200,160 $256,248 $256,248 $309,744
HOUSTON $200,160 $256,248 $256,248 $309,744
JACKSON $200,160 $256,248 $256,248 $309,744
JEFFERSON $200,160 $256,248 $256,248 $309,744
LAMAR $200,160 $256,248 $256,248 $309,744
LAUDERDALE $200,160 $256,248 $256,248 $309,744
LAWRENCE $200,160 $256,248 $256,248 $309,744
LEE $200,160 $256,248 $256,248 $309,744
LIMESTONE $200,160 $256,248 $256,248 $309,744
LOWNDES $200,160 $256,248 $256,248 $309,744
MACON $200,160 $256,248 $256,248 $309,744
MADISON $200,160 $256,248 $256,248 $309,744
MARENGO $200,160 $256,248 $256,248 $309,744
MARION $200,160 $256,248 $256,248 $309,744
MARSHALL $200,160 $256,248 $256,248 $309,744
MOBILE $200,160 $256,248 $256,248 $309,744
MONROE $200,160 $256,248 $256,248 $309,744
MONTGOMERY $200,160 $256,248 $256,248 $309,744
MORGAN $200,160 $256,248 $256,248 $309,744
PERRY $200,160 $256,248 $256,248 $309,744
PICKENS $200,160 $256,248 $256,248 $309,744
PIKE $200,160 $256,248 $256,248 $309,744
RANDOLPH $200,160 $256,248 $256,248 $309,744
RUSSELL $200,160 $256,248 $256,248 $309,744
SHELBY $200,160 $256,248 $256,248 $309,744
ST. CLAIR $200,160 $256,248 $256,248 $309,744
SUMTER $200,160 $256,248 $256,248 $309,744
TALLADEGA $200,160 $256,248 $256,248 $309,744
TALLAPOOSA $200,160 $256,248 $256,248 $309,744
TUSCALOOSA $200,160 $256,248 $256,248 $309,744
WALKER $200,160 $256,248 $256,248 $309,744
WASHINGTON $200,160 $256,248 $256,248 $309,744
WILCOX $200,160 $256,248 $256,248 $309,744
WINSTON $200,160 $256,248 $256,248 $309,744