Home Loans for Relocating to Alabama
Comprehensive Mortgage Lending Services Across Alabama
As one of Alabama's pioneer mortgage brokers/banker, First Equity specializes in customized solutions that fit your life and location. Our statewide reach means no matter if you're buying on Alabama's coast or Tuscaloosa's vibrant college town (game-day condo), we're just a call away at 256-NEW-LOAN (purchases) or 256-REFI-PRO (refinances).
Our process is straightforward: Pre-qualify online in minutes, lock in rates with no hidden fees, and close in as little as 21-30 days. We're proud to be among leaders in loan volume across Alabama, closing deals from the Gulf Coast to the Tennessee border. Jumbo's are a specialty and we work tirelessly for top options/rates for these luxury clients.
Why Choose First Equity as Your Alabama Mortgage Lending Partner?
In a sea of faceless national lenders, First Equity Home Loan Inc. shines as Alabama's trusted local powerhouse—headquartered in the historic heart of Gadsden since our 1987 founding. Our founder honed his craft closing those early deals across Etowah County back in 1985, teaming up with his soon-to-be wife Susan to launch a firm built on deep-rooted Alabama know-how. What started as trailblazing mortgage solutions for everyday Alabamians has evolved into innovative, statewide expertise that outpaces the giants—tailored for everything from Gadsden's affordable gems to the sizzling coastal markets of Mobile and Gulf Shores.
We once maintained branches across North Alabama in the late '90s through 2008, bringing our service straight to doorsteps in booming areas like Huntsville and Birmingham. But in this digital age? We've streamlined even smarter: no need for scattered offices when we can deliver rocket-fast approvals, real-time tracking, and e-signatures right to your phone—anywhere from the Tennessee Valley to the Wiregrass. It's Alabama convenience at its finest, powering seamless closings for first-time buyers in Montgomery or equity unlocks for long-time owners in Tuscaloosa.
Take the pulse of our state's red-hot market: Alabama's median home value sits at $233,000 as of October 2025, climbing 0.3% year-over-year amid steady demand from relocators and growing families (Zillow data). In Gadsden, where our roots run deepest, median listing prices hit $217,400 last month—up 1.5% from 2024—making it prime time to lock in that Coosa River charmer or upgrade in the downtown district without missing a beat in your Alabama dream. Ready to make it yours? Call 256-NEW-LOAN for purchases or 256-REFI-PRO for equity options—your statewide partner, every step.
Ready to see why we're the #1 pick for Alabama home loans?
Here's what sets us apart as your go-to Alabama mortgage pro's:
Benefit | How We Deliver |
Statewide Coverage | Lender Licensed to serve all 67 counties— from Foley to Florence—with dedicated loan officers who know Alabama's market inside out. |
Competitive Edge | As both broker and lender, we shop multiple sources for the lowest rates while funding most loans ourselves for speed and simplicity...savings. |
Proven Track Record | Nearly 40 years helping families throughout our state, we are a home grown Award winning Alabama lender, independent, with a 98% client satisfaction rate. |
Client-Centric Innovation | Evolved with the industry—from unregulated origins to today's tech-driven tools like instant online quotes, secure smart device doc exchange, and mobile closings. |
Community Commitment | Alabama-born and bred, we've sponsored events/teams and coached local youth teams, building lasting relationships that span generations. |
Don't settle for cookie-cutter financing. Our evolution from pioneering broker to also mortgage banker means you're backed by experience and success, not just promises.
Alabama's Hottest Markets: Where Opportunity Meets Momentum
Market | Median Sale Price | YoY Growth | Sales Snapshot | Why It's Hot for Buyers |
|---|---|---|---|---|
Huntsville | $338,000 | +2.6% (metro avg. $427k) | 1,200+ homes sold Q2; days on market ~35 | Aerospace/tech boom fuels demand—ideal for young pros relocating for NASA gigs or defense jobs. Median up amid 2.8% projected 2026 growth. |
Birmingham | $325,000 | +10.9% | 800+ monthly sales; inventory up 11% | Urban renaissance with diverse economy—great for families tapping healthcare/education hubs. Fastest urban appreciation in the state. |
Montgomery | $280,000 | +3.8% (9th fastest nationally) | 500+ homes sold monthly; +14.8% price surge | Capital-city stability with military/gov't ties—prime for first-timers or refinancers eyeing historic charm at value prices. |
Ready to Launch Your Alabama Home Journey?
Whether you're buying, refinancing, or investing, MTGQuote.com -powered by First Equity Home Loan, Inc., is here to guide every step. Contact us today for a free, no-obligation consultation—let's turn your vision into keys in hand. Call 256-NEW-LOAN now or Apply Online. Stay local!
First Equity Home Loan, Inc. | NMLS #204659 | Equal Housing Opportunity
What do you have planned? Get your "No credit Pull" Mortgage Quote Now!
Calculate how much your monthly mortgage payment could be with traditional mortgage programs we offer. Change terms, programs, and down payment options for purchase mortgages.
Non-QM loans do not have mortgage insurance and sometimes a slightly higher rate. Our experts will narrow down all options fast.
* Results are hypothetical. We find insurance and tax estimates are often high for many Alabama counties. This is not a commitment to lend nor a preapproval. Consult our mtg pro's for full details.
See All Mortgage CalculatorsAll in minutes.
Our corporate headquarters are a "chip" shot away from new City Hall construction just adjacent to our Broad St. Memorial Bridge in Gadsden's historic downtown... host for 1st Friday's , Parades, many local events..
Discover various loan program options for non traditional Non-QM Loans in Alabama. Excellent alt-income doc options for self-employed etc.
Set your rate in the desired sweet spot and we'll notify you by your preferred method when the market is just right.
Explore mortgage options for self employed workers like our owners. We know and serve this market with excellence!
An easy way to know your next step
Break down the terms and acronyms that will be used
Learn what loan options are available
We use a number of resources to gain an estimated value on your home. It's free!
Keep an eye on your process and stay on track
Links to dive deep into any city your planning to invest in.
Learn about financing options, our growing cities, attractions, business climate, and even sports on occasion.
October in Alabama doesn't just mean cooler breezes—it's rivalry season, baby. And nothing cranks up the heat like the Alabama Crimson Tide vs. the Tennessee Volunteers.
A new Realtor.com survey reveals that 1 in 5 Gen Z adults say housing affordability is their top life concern. Learn how young buyers are adapting, saving, and staying determined to achieve homeownership.
On October 9, 2025, the average 30-year fixed mortgage rate edged slightly higher to 6.38% after a weaker 30-year Treasury auction and mild MBS underperformance. Rates remain stable within a narrow range as the government shutdown continues.
Our realtor partners, closing and insurance agent contacts make moving in Alabama easier and hassle free. Sign up- get pre-qualified and start your home search with Alabama's finest realtor partners... if you haven't found that home yet.
Lean on our experience. We make your dream mortgage a reality with competitive rates, buying tools, realtor partner network, and dedicated guidance from our local mortgage pro's. Buying or refinancing a home in our home state is a breeze with First Equity Home Loan, Inc.
Quick Mortgage Quote in Alabama
We do not share our client information...detest robo callers and spam.
We'll be your mortgage partner in Alabama. View our MtgQuote Mortgage Partner network page and sign up. Relocation leads and more. Start today!
Trust Alabama Finest with your real estate investments.
Monday - Friday 9 a.m. - 5 p.m.
Saturday - 9 a.m. - 5 p.m.
Online 24-7
