Ignite Your Alabama Home Run, First Equity Style
We fuel dreams with flexible financing across the Heart of Dixie—from Gulf Shores beaches to Huntsville hills. Whether you're a steady-income family eyeing Conventional loans (our go-to for reliable, low-rate options), a veteran leveraging VA zero-down perks, or a self-employed hustler/investor needing Non-QM alternatives (like bank statement or asset-based underwriting), we've got you covered. First-time buyers love our low-down FHA (no-down pmt. with DPA), and rural USDA paths, while high-end seekers turn to Jumbo for luxury builds. Plus, tap your equity with up to 90% LTV HELOCs and solutions for condo owners in Birmingham, Gulf Coast, or Tuscaloosa. We offer all the top U.S. lending programs, customized for Alabama's unique markets. Pre-approve now and launch your future!
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Flexible terms, competitive rates—your everyday powerhouse for Alabama homeownership. Great for steady income low down payment clients. |
Just 3.5% down—perfect for building equity in Birmingham or beyond. Popular with 1st time buyers - low credit borrowers.
Zero-down, no PMI—honoring service members from Mobile to Montgomery. Very popular in Huntsville around our Rocket City's growth. Veteran & active duty. |
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $766,550 in...
USDA home loans are very popular in Alabama because of the zero-down payment feature, and lower credit score requirements. We also have many eligible properties in our state.
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Great for bill consolidation loans to reduce payment and interest on consumer debt, home improvements, or any worthwhile purpose. Piggy back a 1st to avoid mortgage insurance
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.Ditch W-2s for bank statements or assets—qualify on your cash flow. Great investor programs and self employment income doc programs
Very popular with our gulf coast buyers. Our larger cities like Huntsville, Birmingham, Tuscaloosa also have significant Condo lending properties.
Unlock National DPA Funding: Up to $15K Grants for Alabama Homebuyers!
Tap into Down Payment Assistance national funding—no income limits, forgivable after 10 years. Pair with our FHA/USDA/VA loans for 0% down in Birmingham, Huntsville, Mobile...Statewide! First-timers & vets qualify fast.
Explore National DPA Grants & Apply Today!
We highlight the self employed borrower because we're self-employed and Independent owners ourselves. We understand the quirks of ownership, how various programs could enhance our buying power or refinancing options. We've got many alt-income doc programs for self employed borrowers. Explore now!
We use these same tools to help our clients..
Find the city, home, schools, and opportunities you are seeking as we transform our state for the golden era. Top data from up to date sources make diving deep into your next town fun and easy! Check it out now.
Your key to a stress free purchase loan in Alabama.
Our Vetted Realty partner's know the in's and out's for any region of Alabama. Shoot us your zip code and we'll match you with our realtor partners who put our clients 1st. Serving borrowers since 87... we have precision closings down pat..
Compare monthly mortgage payment, down payment requirement, tax, insurance estimates, and MI (if applicable) under different loan programs. Non-QM loans have no MI and rate is sometime higher.
* Results are hypothetical and may not be accurate. We find insurance and tax estimates to be high in some Alabama counties.
Non QM rates may be slightly higher but have no mi. This is not a commitment to lend nor a preapproval. Consult our Alabama Mortgage professionals for a Custom Mortgage Quote
See All Mortgage CalculatorsWhat do you have planned? Takes less than 2 minutes to complete.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Not our favorite because we like certainty, but Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...
Limited Availability. Slow repay isn't our favorite when seeking the paid off mortgage... but Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...
Chat with Local Mortgage Pro's?
Our expert loan officers have helped thousands of Alabama families since 1987— from first-time buyers in Birmingham to vets in Mobile. Get personalized advice on rates, programs, and your best path to closing fast.
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.
Why Veterans are finding their Next Chapter in our State's Premier Cities?
Whether you're a Space Force engineer eyeing Redstone Arsenal, an FBI cyber whiz landing in Birmingham, or a logistics pro docking in Mobile, the Yellowhammer State's growth story is your ticket to opportunity.
Relocation or refinancing... we're ready to assist.
For purchases: Your opportunities open up with our Premier Alabama Realtor Partner Network(if needed) and the research tools to enhance your next real estate investment. Realtors love our pre-qualified clients and innovative approach.
Refinancing: Our 203k Loans and other refinance options (for bill consolidations, home improvement, and cash out refi's) seal the deal for loan options.
Investors-Check out our DSCR mortgages made simple. Refinancing the entire portfolio might be a great idea with dropping rates and cash out options.
Quick Mortgage Quote in Alabama
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