Comprehensive Mortgage Lending Services Across Alabama, all started with our 1987 founding here in our "Home Town" of Gadsden!

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 a Southside riverfront home, a Hokes Bluff riverfront retreat, or a second home in Orange Beach... 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. USDA for rural zero down options.
• 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.

Why Choose First Equity as Your Gadsden Mortgage Lending Partner?

In a landscape crowded with distant national lenders, First Equity Home Loan Inc. stands tall as Gadsden's homegrown powerhouse—headquartered right in the vibrant heart of Historic Downtown Gadsden since our 1987 founding. Our founder sharpened his skills closing those pioneering deals across Etowah County as early as 1985, before joining forces with his soon-to-be wife Susan to build a firm fueled by genuine local insight and unwavering commitment to our Alabama roots. 

We owe our success to our incredible home market: the families, the riverfront dreamers, and the everyday heroes of Gadsden who've trusted us for nearly four decades. As trailblazers in Etowah County mortgages, we've been there from the start—celebrating every first home in Glencoe's quiet neighborhoods, every upgrade in Rainbow City's bustling growth, and every lakeside retreat in Southside and Hokes Bluff, where the Coosa River whispers just 30 feet from porches like ours.

Back in the mid '90s through 2023, we expanded our footprint with branches all across North and Central Alabama, delivering hands-on service to thriving spots like Huntsville and Birmingham. Today, we've evolved even further for the digital era: lightning-fast approvals, live tracking, and secure e-signatures delivered straight to your device—whether you're eyeing a downtown Gadsden townhouse or a family haven off Cove Lake. It's pure Etowah convenience, making closings as smooth as a Sunday cruise along the river, for buyers in Attalla or investors-refinancer's in our own backyard.

Feel the energy in Gadsden's market: The median listing price hit $217,400 last month—up 1.5% from 2024—while Etowah County homes have appreciated a robust 42% over the past five years, from around $152,000 in 2020 to today's values, drawing relocators and locals alike to hot spots like the revitalized downtown district and Coosa River properties. (data by realtor.com sept-2025) It's the perfect moment to snag that charmer in Country Club, or unlock equity in a Whorton's Bend riverside gem—without the hassle of out-of-state red tape call center greenhorn talk. We are local! We share same hopes something big happens in our area soon.

Ready to claim your piece of Etowah County Magic?

Call 256-NEW-LOAN for purchases or 256-REFI-PRO for equity options—your Gadsden mortgage partner, every step.  

Ready to see why we're the #1 pick for Gadsden Home Loans? 

Here's what sets us apart as your go-to Gadsden mortgage pro's:

Don't settle for cookie-cutter financing. Our evolution from pioneering Gadsden broker to also mortgage banker/lender means you're backed by experience and success, not just promises. We're your home-town independent mortgage firm and Gadsden Proud!

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