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. |
No down payment when combined with our DPA funding—perfect for building equity in Birmingham or beyond. Popular with 1st time buyers statewide.
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.
Discover our flexible financing for Alabama's Entrepreneurs. From full doc to bank statement loans... we have many Alt-Income doc alternatives.
Combing with FHA for zero-down financing for Alabama urban and rural properties filling gaps USDA doesn't meet. Zero down is hot in Alabama.
No tax returns required, loans to 3 million, Up to 90 % purchase, 85% rate term LTV, and 80% for cash out refinance loans. This is a game changing alt-income doc option.
Qualify based on property cash flows, not your personal taxes or w-2's, focus on asset performance to unlock financing for flips, rentals, or expansions.
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.
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..
The average 30-year fixed mortgage rate is hovering near 3-year lows as bond markets hold steady amid limited economic data. Learn why rates remain low and what could move them next.
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.
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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