Buying or Refinancing doesn't have to be complicated. Expert personal service combined with innovative technology is making Mortgage Lending convenient, faster and simply Better!

Secure Application:

100% Secure, 256-bit encryption

Easy to Complete

The Fastest Way to Get Started

Find the Loan that Works for you:

Low Monthly Payment

Low Interest Rates

Purchase or Refinance

$794 million

In Loans Funded to Date


Customer Satisfaction Rate

24 Hour

Average Loan Approval Period

You CAN Find the Perfect Mortgage... Right Now!

Welcome to the official site of First Equity Home Loan, Inc., trusted since 1987, we've helped thousands of people achieve the dream of homeownership in virtually every county of Alabama, and we'll gladly assist you. We are a full-service mortgage lender founded in Gadsden, AL. We specialize in Purchase and Refinance Mortgages and have loan originators serving every city of our home state. We have funded homes/condo's from Gulf shores to Florence including the growing Huntsville Metro Area. We also serve all surrounding cities of Etowah County, Calhoun County, Jefferson, St. Clair, Cherokee, Madison, and Marshall County. Whether you are buying a home or refinancing we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:
FHA | VA | USDA | HomePath | Jumbo | Conventional

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, to consolidate debts to reduce your monthly payments and get out of debt quicker, or to just get a better rate and term, we can assist you. Streamliine refinancing to lower rate is very popular now... less documentation and no appraisal required in most circumstances. It's quick. We have all the best options. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | VA Streamline | VA Cash Out | USDA Streamline | Conventional | Jumbo

What makes First Equity Home Loan, Inc, unique is we are a family owned independent mortgage lender. We can offer any lending program in America we feel will benefit our customers. We offer all the standard conforming purchase and refinance option but we also now offer the Non/QM loan options. They allow higher debt consolidation loan to value up to 90 percent appraised value with scores often accepted to mid 500's. These programs offer great "Outside the Box" solutions for people that don't meet conforming standards or need a bit more cash in hand. Rates are a bit higher, as expected...but "no mortgage insurance required" softens the blow a bit.

Contact First Equity Home Loan, Inc, today to discuss your mortgage loan options and find out which loan program will best suit your needs.

Get connected with our Pro Quote Mortgage Application today  available in app stores here
First Equity Home Loan, Inc. continually invest in new mortgage techonologies with one goal in mind, improving the customer experience. We are committed to making the entire end to end mortgage process better. Designed with the online savvy consumers and our industry referral partners in mind…we created a point of sale mobile app our customers and industry referral partners are raving about. One touch communication and ability to share doc's via your phone, while always knowing the loan status, brings home lending to your doorstep.  Download from app stores here with your mobile device. Get started today. It's Easy! Realtor partners can get their custom personalized app free as well. Email with subject " App"

Save time with our fast, easy 5 step loan process. Every successful Home Mortgage starts with a conversations & application. Apply direct and our team will review all your options with you, in detail, so you'll be confident in the best mortgage for your sometimes unique situation.