Comprehensive Mortgage Lending Services Across Marshall County including Guntersville, Albertville, Boaz.

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 the lake in Guntersville or Tuscaloosa's vibrant college town (game-day condo), 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.

Whether you're eyeing a waterfront retreat on Guntersville Lake, a starter home in Boaz, or a growing family spot in Albertville, First Equity Home Loan Inc. has been your go-to mortgage broker in Marshall County since our roots took hold here nearly four decades ago. We cut our teeth funding deals at Coosa Federal Savings and Loan in Boaz, right before launching what’s continually among volume leader in home financing with Alabama born mortgage firms. No more juggling branches like the old days—our digital reboot post-2008 lets us close fast from Gadsden, serving every bend of US 431 through Grant up to Owens Crossroads with the same hands-on know-how that’s locked in loans for locals and transplants alike for almost four decades.

Why Marshall County Chooses First Equity for Their Dream Homes

Guntersville Lake Loans That Stick: From cozy cabins to luxury docks, we specialize in jumbo and VA options for lakefront properties. With median home values holding strong at $290,689—down just 1.2% but primed for rebound as tourism booms—we'll structure deals to beat rising rates. Imagine dropping anchor on that bass-fishing paradise without the national bank runaround. (data 10-2025)

Albertville & Boaz First-Time Buyer Wins: Grew up hearing those stories?

We've closed hundred's here, from our old US 431 office spot to today's seamless online quotes. FHA and USDA zero-down paths make it easy—especially with Boaz-area prices up 6.5% to $288K, fueling young families relocating for affordable housing and wonderful schools.

Grant & Rural Refinances: Tap equity in those rolling hills with our cash-out streamline options. Marshall County's overall median sales hit $270K in August 2025, up 4% year-over-year—perfect timing for bill consolidation or second-home upgrades before inventory tightens.

Southern Huntsville Edge: Owens Crossroads & Beyond Just a quick hop up 431, Owens Crossroads is exploding with suburban appeal—median listings at $457.5K, up 10.3% as Space Force and Tesla folks spill south from Huntsville. We're bridging that gap with conventional loans tailored for the commute crowd, plus HELOCs for those backyard expansions. Huntsville's broader market? Median $365K, up 4.3%, with forecasts calling for modest growth and steady demand through 2025—your cue to lock in now. (10.16.2025 data)

We outpace nationals by knowing the local pulse: lower fees, faster closings, and zero pressure.

October 2025 Market Snapshot: Why Owens Crossroads Mortgages Are Heating Up

As Huntsville's tech boom ripples south, Owens Cross Roads stands out for affordable luxury—think sprawling lots with mountain views and quick I-565 access to Redstone Arsenal jobs. Latest data shows September 2025 median sold prices at $405K, a gentle -0.38% dip YoY but with listings climbing to $466.5K amid low inventory (just 62 days on market average). Huntsville proper? Medians stabilized at $325K in September, down 5.9% but signaling buyer opportunities as pent-up demand builds—first-time buyers now averaging age 38, eyeing relocation's from pricier metros.  Inventory's up 8% from summer lows, but well-priced homes fly—perfect for our streamlined Owens Cross Roads mortgage broker process that skips the out-of-state call-center "Greenhorn" delays.

Tailored Tips: Securing Your Southern Huntsville Dream Deal

From Monte Sano State Park hikes to Hampton Cove golf, this corridor's lifestyle demands flexible financing. As your dedicated Owens Cross Roads mortgage broker, we match jumbo loans for $400K+ estates (beating bank margins by 0.25%) or FHA streams for first-timers snagging $300K starters. 

Pro move: Layer our national Down Payment Assistance  for zero-down on eligible buys—USDA's backlog won't slow your closing. 

Got equity from a 2024 purchase...or before? Our cash-out refi's average $25K pulls for pool installs, all personalized from our Historic Downtown Broad Street Gadsden headquarters, about a 300 yard golf drive away from our scenic Coosa River and sitting catty-cornered from new City Hall construction. Always a parade, event, or celebration going on in front of our office. Our Loan Officers light up the bongo's every time that "Clear to Close" hits. Feeling the beat with Alabama clients... at 315 Broad!

Click  256-REFI-PRO to pre-qual in just a few hours—depending on volumes with no fax fiascos, just Alabama speed and mortgage market expertise. Our realtor partners and sellers loved the pre-qual letters. We'll go a step further with a Pre-Approval with property to be determined if the client desires. Only takes us a few hours once we receive your requested documents via any smart device uploaded to your client portal. Convenience at your fingertips with fast approvals for buying or refinancing.

"Switched from a national call center lender for our Owens Cross Roads buy—removed all the hassle by going with pro's in Alabama and closed faster with First Equity's local know-how.  Modern lending service" – Recent Client, Madison County   

Ready to see why we're the #1 pick for Marshall County north thru Owens Crossroads and beyond? 

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.

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!

(10-16-25 data)

First Equity Home Loan, Inc. | NMLS #204659 |  Equal Housing Opportunity