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Meanwhile, Baldwin County’s Gulf Shores and Orange Beach hotspots have exploded with 150%+ growth over the same decade, pushing medians from $200,000 to $455,000+ by 2025, fueled by remote workers and retirees chasing that coastal premium (up 4.3% YoY alone). sources
This appreciation corridor—from Huntsville’s tech boom to Baldwin’s high-end escapes—means bigger average loan sizes for you, with our traditional Qualified Mortgages offering up to 100% financing for qualified relocators. We’re laser-focused on Alabama’s job explosion and relocation wave, targeting traditional QMs for the influx of professionals landing high-paying gigs. Huntsville leads the charge with a blistering 3.4% annual job growth rate since 2020—adding 30,000+ roles by 2030 in aerospace, defense, and biotech, including 1,700 direct jobs from the U.S. Space Command HQ relocation and 525 fresh tech positions announced in August 2025 alone.
Statewide, major cities like Birmingham (healthcare hubs), Mobile (logistics surge), and Daphne (4.6% job spike in Baldwin metro) are booming too, with Alabama’s overall employment hitting record highs and unemployment dipping to 2.9% in August 2025.
Our relocation marketing—tailored digital campaigns, Zillow lead integrations, and pre-approval funnels—connects you with these movers early, locking in 100% LTV traditional's for stable W-2 earners eyeing Huntsville’s $105,000+ average salaries or Baldwin’s luxury pads. But we don’t stop at traditional: For self-employed relocators, gig pros, or investors who don’t fit the standard box (or simply score better terms elsewhere), our Non-QM suite shines—bank statement loans with 1-year quals up to 80% LTV, 1099 programs at 90% purchase, and DSCR investor options to 85% for cash-flowing rentals. These flex products serve the 20%+ of Alabama’s workforce in non-traditional roles, boosting your closes in high-price zones like Gulf Shores (where medians top $490K) without the red tape.
As pioneers in the broker-lender realm, we’ve evolved from multi-branches in Roebuck, Valleydale’s Caldwell Mill Village, Hwy 280's Time Square, Trussville on Gadsden Hwy, Albertville, and Ft. Payne into a statewide powerhouse—now turbocharged by cutting-edge tech from our Broad Street hub. Our title-attorney partnerships “smooth” every closing, insurance options seal the deal—each loan’s crafted personally, blending competitive rates with white-glove service across traditional and Non-QM.
Join below—serve our clients with excellence, nurture those mutual wins, and watch your pipeline explode from Huntsville’s job surge to Baldwin’s beachfront booms. Call 256-New-Loan —join the pros closing Alabama’s biggest deals!
315 Broad Street
Gadsden, AL 35901
Phone: 256-NEW-LOAN
info@mtgquote.com
Mortgage rates bounced around but stayed in a tight range near the low 6% area this week, while purchase applications hit their highest level since early 2023 and refinance demand more than doubled compared to last year. Here’s what that means if you’re thinking about buying or refinancing.
Discover the true cost of living in Alabama for 2026. See why it's the most affordable state for housing, groceries, and more. Access free Acre data and school links on our tools page!
Stronger jobless-claims and durable-goods data from last week pushed the average 30-year fixed slightly higher, but mortgage rates are still near recent lows. Here’s what that means for buyers and homeowners
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