Comprehensive Self-Employed 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 Huntsville Booming Rocket City, we're just a call away at 256-NEW-LOAN (purchases) or 256-REFI-PRO (refinances).

• Purchase Loans: From Conventional and VA to Jumbo financing for high-value homes, we secure low rates and flexible terms to make your dream property a reality.
• Refinance Options: Streamline your current mortgage or tap equity with cash-out refinances, second mortgages, and HELOCs—ideal for consolidating debt or funding renovations. View Equity Solutions. 
• Specialized Programs: Bank statement loans for self-employed pros, 1099 mortgages for gig workers, and investor DSCR loans for rental portfolios. We even handle Non-QM options when traditional paths don't fit.
• FHA Expertise: As a licensed lender we still broker all FHA loans and we connect you to the best FHA rates without the hassle, ensuring down payments as low as 3.5% for qualifying buyers...Zero down with our Down Payment assistance for Alabama borrowers.

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.

Tailored Self-Employed Loan Options in Alabama
Skip the tax-return headaches—qualify fast with these Non-QM standouts:

Why Choose First Equity as Your Alabama Mortgage Lending Partner?

In a sea of faceless national lenders, First Equity Home Loan Inc. stands as Alabama's pioneer for self-employed dreamers—headquartered in Gadsden's historic core since our 1987 launch. Our founder sharpened his edge on those first Etowah County deals in 1985 working with a Savings and Loan, then joining forces with his soon-to-be wife Susan to build a firm attuned to the independent spirit of Alabama hustlers. From trailblazing loans for local entrepreneurs to today's Non-QM innovations, we outmaneuver the giants—crafting alt-income paths from Gadsden's startup scene to Mobile's coastal creators.

We once blanketed North Alabama with branches in the mid '90s through 2022, hand-delivering expertise to doorsteps in Huntsville's tech corridor and Birmingham's creative hubs. Now, in this digital hustle? We've gone lean and lightning rocket-fast with pre-approvals, live tracking, and mobile e-signs—wherever your freelance gigs take you, from the Tennessee Valley to the Gulf. Alabama agility meets self-starter savvy, fueling seamless buys for Montgomery makers or refi's for Tuscaloosa trailblazers. We proudly serve every county in Alabama with expert mortgage solutions!

Alabama's Gig Boom: 

Freelance Growth Powering Self-Employed Moves Alabama's freelance frontier is exploding, with gig workers—think Huntsville coders, Birmingham graphic pros, and statewide tutors, even Wal Mart delivery gigs—numbering over 345,000 and growing at 16% annually clip nationwide, fueled by portable benefits laws like Sen. Orr's 2025 bill for independent contractors.  Over five years, self-employment roles have surged alongside 115,000+ statewide openings in June 2025 alone, drawing relocators to tech expansions (e.g., Raytheon's Huntsville hires) and side-hustle hotspots like delivery or digital sales. This momentum means prime time for alt-income mortgages before values climb—especially with conventional options now open to stable freelancers showing just two years of growth.    

From Gadsden's affordable launches to these booming beats, First Equity's local edge means quotes that fit your flow—VA for vet entrepreneurs or jumbos for upscale or high-end buys. Dial 256-NEW-LOAN for self-employed starters or 256-REFI-PRO for scaling up—your Alabama mortgage pioneers, unlocking tomorrow.  

Alabama's Growth Story:  

5-Year Surges and Job Booms Fueling Relocation Over the past five years, Alabama's home values have climbed a steady 36% statewide—from $172,000 in 2020 to $234,000 today—drawing relocators chasing stability and upside.  In hot markets like Huntsville (up 42%), Birmingham (33%), and Montgomery (40%), this appreciation pairs with explosive job growth, creating prime opportunities for quick mortgage quotes before rates shift. 

Huntsville leads with 30,000+ new roles projected through 2030 in aerospace, defense, and tech—think expansions at Toyota (350 jobs) and Raytheon (185 jobs) luring pros from afar. Birmingham's urban revival adds hundreds in healthcare and logistics, while Montgomery's $1.1B investments yield 500+ annual jobs in manufacturing and government—ideal for families eyeing historic charm with career momentum.  

From Gadsden's riverfront steals (suburbs up 55% in value) to these high-octane hubs, First Equity's statewide savvy means tailored mortgage quotes that fit your move—VA options for Huntsville vets, competitive refi's for Birmingham execs, or fast pre-approvals for Montgomery starters.  Dial 256-NEW-LOAN for purchases or 256-REFI-PRO for equity plays—your pioneer partner in Alabama's bright horizon.  

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:

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 

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