Welcome to First Equity Home Loan, Inc.: Your Birmingham Mortgage Partner
Proudly serving the Birmingham metropolitan area since 1987—including the city of Birmingham and Bibb, Blount, Chilton, Jefferson, St. Clair, Shelby, and Walker counties—First Equity Home Loan, Inc. is your go-to team for tailored mortgage solutions in Alabama. As Certified Credit Specialists and NAMB Certified Veterans Lending Specialists, we're dedicated to turning homeownership dreams into reality with expert guidance and flexible options for every unique financial story.
Unlock Your Perfect Loan: From First-Time Buys to Investor Wins
No two journeys are alike, so we offer a full spectrum of programs designed for first-time buyers, seasoned investors, and self-employed pros alike:
- FHA, VA, and USDA Loans: Low-down or zero-down paths with flexible credit—ideal for Birmingham's growing families.
- Conventional and Jumbo Loans: Competitive rates for larger homes in hot spots like Shelby County.
- Equity Loans: Tap your home's value with HELOCs or fixed-term second mortgages for renovations or debt payoff.
- Non-QM Loans: Skip traditional income hurdles—explore our full Non-QM suite, including 1099 Loans for freelancers, Self-Employed Options, and more for gig economy trailblazers.
Whether you're eyeing a cozy Blount County starter or a multi-unit in Jefferson, our team simplifies the process with personalized pre-approvals.
Refinance Smarter: Cash In on Birmingham's Boom
Alabama's home values are climbing—up 7.5% in the metro area last year alone(24). Make it work for you with our refinance lineup:
- FHA or VA Streamline: Very popular with falling rates. Quick, low-cost tweaks to lower payments—no appraisal needed.
- Cash-Out Refinance: Pull equity for debt consolidation, home upgrades, or that dream pool—perfect for relocating vets or upsizing families.
- Conventional Refi: Many Alabama clients are sitting on lower rates and tons of equity. As rates drop potential saving with a refi really start to make sense. Reduce payments, fund children's education, our buy a weekend lake house...we've seen people use their equity for great things.
Ready to Refinance? Get a free equity check and rate quote in minutes— 256-Refi-Pro or start your refi application today.
2 Minute Refi Quote System
Relocating to Birmingham from out-of-state? We'll factor in your transfer perks for seamless funding.
Specialized Solutions for Every Path
We go beyond basics with inclusive programs like:
From St. Clair's riverfront retreats to Walker's wooded escapes, we're here to empower your next chapter.
Empower Your Journey: Free Tools & Next Steps
Navigate like a pro with our Mortgage Realty Tools—packed with calculators for affordability, DSCR for investors, debt consolidation savings, and Birmingham market insights. Pair it with our Mortgage Realtor Partners for relocation-ready listings.
Let's Get Started: Whether buying, refinancing, or relocating, contact our Birmingham experts today at 256-NEW-LOAN or schedule a quick consult. Since 1987, we've closed thousands of loans across Alabama—yours is next. Homeownership solutions awaits!
