We encourage users to use the free NMLS Consumer Access Link to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state.

THE VA IN Alabama

VA loans have been helping Alabama residents since 1934

An VA Specialist can offer you a better loan including:

Low Down Payment Plans
Low Closing Cost
Easier Credit Qualifications
Lowest Federal Reserve based Interest Rate
24 Hour Pre-Approval Process

Alabama First Time Home Buyer Loan

This VA loan program was created to help increase homeownership. The VA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan program.

Buy a home in Alabama with help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special VA loan program.

Alabama VA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as VA Mortgage Interest Rates continue to decline.

Alabama VA Debt Consolidation

An VA Debt Consolidation Loan can change your life, and we can connect you to an VA Home Lending Expert to talk over your financial situation so you are not left to figure out everything on your own.

Alabama VA Home Loan

How it works:

√ Determine the type of VA Government Loan your needs.

√ Complete an easy 2 minute application form.

√ We will forward your application to one and only one VA Approved Lender who can best help you base.

The type of loan you requested
Your down-payment (if purchase loan)
The location (State) your property is located
Your credit history
The best rate available for your loan

√ VA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you.

√ Immediately that same day, the VA Lender will overnight your pre-approval letter to you.

√ Review with no obligations your VA Loan Pre-approval and locked rate.

Note - It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.

Alabama VA Lending Limits 2025

Alabama Median Home Sale Price Price $277,000

County	One Unit	Two Unit	Three Unit	Four Unit
AUTAUGA	$524,225	$671,200	$811,275	$1,008,300
BALDWIN	$524,225	$671,200	$811,275	$1,008,300
BARBOUR	$524,225	$671,200	$811,275	$1,008,300
BIBB	$524,225	$671,200	$811,275	$1,008,300
BLOUNT	$524,225	$671,200	$811,275	$1,008,300
BULLOCK	$524,225	$671,200	$811,275	$1,008,300
BUTLER	$524,225	$671,200	$811,275	$1,008,300
CALHOUN	$524,225	$671,200	$811,275	$1,008,300
CHAMBERS	$524,225	$671,200	$811,275	$1,008,300
CHEROKEE	$524,225	$671,200	$811,275	$1,008,300
CHILTON	$524,225	$671,200	$811,275	$1,008,300
CHOCTAW	$524,225	$671,200	$811,275	$1,008,300
CLARKE	$524,225	$671,200	$811,275	$1,008,300
CLAY	$524,225	$671,200	$811,275	$1,008,300
CLEBURNE	$524,225	$671,200	$811,275	$1,008,300
COFFEE	$524,225	$671,200	$811,275	$1,008,300
COLBERT	$524,225	$671,200	$811,275	$1,008,300
CONECUH	$524,225	$671,200	$811,275	$1,008,300
COOSA	$524,225	$671,200	$811,275	$1,008,300
COVINGTON	$524,225	$671,200	$811,275	$1,008,300
CRENSHAW	$524,225	$671,200	$811,275	$1,008,300
CULLMAN	$524,225	$671,200	$811,275	$1,008,300
DALE	$524,225	$671,200	$811,275	$1,008,300
DALLAS	$524,225	$671,200	$811,275	$1,008,300
DEKALB	$524,225	$671,200	$811,275	$1,008,300
ELMORE	$524,225	$671,200	$811,275	$1,008,300
ESCAMBIA	$524,225	$671,200	$811,275	$1,008,300
ETOWAH	$524,225	$671,200	$811,275	$1,008,300
FAYETTE	$524,225	$671,200	$811,275	$1,008,300
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300
GENEVA	$524,225	$671,200	$811,275	$1,008,300
GREENE	$524,225	$671,200	$811,275	$1,008,300
HALE	$524,225	$671,200	$811,275	$1,008,300
HENRY	$524,225	$671,200	$811,275	$1,008,300
HOUSTON	$524,225	$671,200	$811,275	$1,008,300
JACKSON	$524,225	$671,200	$811,275	$1,008,300
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300
LAMAR	$524,225	$671,200	$811,275	$1,008,300
LAUDERDALE	$524,225	$671,200	$811,275	$1,008,300
LAWRENCE	$524,225	$671,200	$811,275	$1,008,300
LEE	$524,225	$671,200	$811,275	$1,008,300
LIMESTONE	$524,225	$671,200	$811,275	$1,008,300
LOWNDES	$524,225	$671,200	$811,275	$1,008,300
MACON	$524,225	$671,200	$811,275	$1,008,300
MADISON	$524,225	$671,200	$811,275	$1,008,300
MARENGO	$524,225	$671,200	$811,275	$1,008,300
MARION	$524,225	$671,200	$811,275	$1,008,300
MARSHALL	$524,225	$671,200	$811,275	$1,008,300
MOBILE	$524,225	$671,200	$811,275	$1,008,300
MONROE	$524,225	$671,200	$811,275	$1,008,300
MONTGOMERY	$524,225	$671,200	$811,275	$1,008,300
MORGAN	$524,225	$671,200	$811,275	$1,008,300
PERRY	$524,225	$671,200	$811,275	$1,008,300
PICKENS	$524,225	$671,200	$811,275	$1,008,300
PIKE	$524,225	$671,200	$811,275	$1,008,300
RANDOLPH	$524,225	$671,200	$811,275	$1,008,300
RUSSELL	$524,225	$671,200	$811,275	$1,008,300
SHELBY	$524,225	$671,200	$811,275	$1,008,300
ST. CLAIR	$524,225	$671,200	$811,275	$1,008,300
SUMTER	$524,225	$671,200	$811,275	$1,008,300
TALLADEGA	$524,225	$671,200	$811,275	$1,008,300
TALLAPOOSA	$524,225	$671,200	$811,275	$1,008,300
TUSCALOOSA	$524,225	$671,200	$811,275	$1,008,300
WALKER	$524,225	$671,200	$811,275	$1,008,300
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300
WILCOX	$524,225	$671,200	$811,275	$1,008,300
WINSTON	$524,225	$671,200	$811,275	$1,008,300

VA Loan Information

The VA (Veterans Administration) does not lend money. A VA Loan is backed by the Department of Veterans's Affairs and issued by individual VA Approved Lenders.

Our mission is to help you find the best VA Approved Lender who can help you secure financing.

When you fill in our short application we will provide your information to one, (and only one) VA Approved Lender who can help you based upon many factors, including your State, the type of VA Loan, and your Credit History.

VA News 2025

The VA Weekly mortgage demand surges 11% higher, as interest rates dropped for the sixth straight week. The VA is part of HUD & backs individual VA Approved Lenders.

HUD Announces Changes to VA Multifamily Mortgage Insurance Programs Home Loan: VA to increase individual loan proceeds available to create new or refinance existing affordable multifamily rental properties and create new or substantially rehabilitate properties that provide rental opportunities for middle-income individuals and families.

VA Proposes Looser Boarder Income Requirements For Qualifying Borrowers:These proposed changes include reducing the acceptable rental income history from two years to 12 months and expanding the types of acceptable income verification documentation

Down payment assistance programs remain underutilized, despite high eligibility among borrowers:the Quarterly Report to Congress from the U.S. Department of Housing and Urban Development (HUD) on the Veterans Administrations Single-Family Mutual Mortgage Insurance Fund, only 58.46% of the loans the agency endorsed were originated without the borrower receiving help for a down payment,