Trey Morris: Your Alabama Mortgage Partner for Life! 

From family lending roots to expert guidance- Get pre-qualified or pre-approved in minutes for your dream home. 



  From Family Roots to Mortgage Mastery: Meet Trey Morris

As an Alabama-licensed mortgage loan originator (NMLS # 2397796), Trey Morris isn't just a loan officer—he's the heartbeat of First Equity Home Loans, Inc's future. Growing up in the family business since school co-op at 15, Trey started by processing deals, crunching numbers, and learning the ropes hands-on from the processing end 1st so he knows every bump to anticipate and prevent. You can't teach this business without understanding process,
Today, he's an irreplaceable force: handling everything from client consultations, marketing, some bookkeeping, to complex underwriting solutions, all while prepping to lead the next chapter of the First Equity legacy. Tech savvy- for our golden era?
What sets Trey apart? His deep-rooted passion for Alabama families. Whether you're a first-time buyer eyeing a cozy home in Gadsden or a lakefront investor in Cherokee County looking to refinance near Weiss Lake, Trey brings personalized expertise that feels like dealing with a neighbor, not a bank. He's navigated the ups and downs of markets since with his parents since his birth, assisting & closing hundreds of loans with a 100% client satisfaction rate—because for Trey, it's personal.

"Trey made our Weiss Lake refinance seamless. From pre-qual to closing, he wore every hat and saved us thousands. True family values shine through!"
— Sarah & Mike T., Leesburg Homeowners
Trey's Mortgage Specialties in Alabama
  • Purchase Loans: Secure your dream home with competitive conventional, FHA, or VA options—tailored for Alabama's diverse markets, from Birmingham suburbs to rural retreats.
  • Refinance Expertise: Cash-out, rate-and-term, or streamline refinances to unlock equity or lower payments. Trey's seen it all, especially for growing families in Etowah, Cherokee, Madison, and nearby DeKalb Counties.
  • Specialty Programs: Jumbo loans for upscale properties, USDA rural financing, and first-time buyer DPA grants—plus, insider tips on Alabama's low down payment options. Investor DSCR loans are becoming a favorite.
  • Statewide Service: Proudly serving Etowah, Cherokee County and beyond, including Gadsden, Fort Payne, and Anniston neighbors. Huntsville and Birmingham continue to be hot markets for us.
Why Partner with Trey?Lightning-Fast Approvals
Get pre-qualified in minutes and pre-approved within a few hour of submitting prompted docs from your loan dashboard—not weeks.
Transparent & Family-Focused
No hidden fees, just honest advice from someone who's been in your shoes.
Proven Track Record
Expert service & fast closings, with a focus on long-term client relationships that last generations.
Ready to ride the wave to homeownership? Trey's here to guide you every step. Start with a free, no-obligation quote today.

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

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What our clients say about us!

I wanted a bill consolidation loan to payoff high rate credit card debt. We had no idea our property had appreciated enough to payoff our car as well. Our refinance saved us 830 dollars monthly for our family budget. Thank you!

Trey was a pleasure to work with as an agent! He was very proficient and worked hard for us to close on time! Even calmed me down the week before closing when I was having a breakdown. Can't wait to have another deal with him!

I bought my home in Florence with no down payment required. We've said goodbye to rent and have a wonderful home to raise our family. Thanks to Susan and Trey for a wonderful experience. We're so excited.

I had the pleasure of working with Susan Morris and I'm proud t say I am 100 % satisfied. She made the process fast and easy. If I ever had any questions she would answer them quickly and it was my first time buying a home and she took very good care of me, and if I ever didn't understand something she would explain in detail. I would highly recommend her to anyone.

I'm a repeat VA client with Rod and Susan's firm. They've handled multiple moves for me with superior service. Susan's VA experience shines. Sincere thanks again.

Our condo purchase in Gulf Shores couldn't have gone better. From assistance finding a realtor, multiple insurance quotes, and scheduling with a nearby closing agent... we are thrilled and looking forward to our next DSCR mortgage for rental units with Amber's team at first equity.

As a Real Estate Agent, I'm always looking for awesome lenders for my clients. Amber and her team are very knowledgeable with all loan products and work their magic to get loans closed quickly and seamless. Communication is top notch, Love the mortgage team there!!

The best knowledgeable people and professional. Would recommend 12/10

Long time friend of Trey's and glad he helped me buy my 1st home. He understands the home lending process well and matched my specific needs with the perfect loan options. He'll always be my mortgage guy and I'll recommend him to anyone. He's been working on Broad since before he started driving.

Had a pre-approval from a national firm but ran into snags. A realtor friend put me in touch with Susan and things moved fast from there. Fast approval and great closing, I bought with zero-down and wouldn't recommend anyone but First Equity for a VA loan in Alabama. 

I have known Rod since we were kids. When I bought my home I wouldn’t have used anyone else. Rod treats every customer like family. He gives sound knowledgeable advice and works hard for his clients. Special thanks to Laura for all of her help making sure everything went smoothly start to finish.
Met Rod years ago with his First Equity racing team and was excited to let his firm handle my home purchase. Fast approval... and I was certain I had the best lending option for my personal goals. It was a simple home buying process.

As the owner of Central Alabama Title in Hoover for decades, I closed most of Rod and Susan's loans from their early days until my retirement. We're lifelong friend...like family. I recommend them to anyone seeking a mortgage in Alabama. They served the entire state back in the day and we closed loans wherever needed. Great firm!

1st met Rod around 1985 before he opened his firm...actually booked he and Susan's honeymoon to Paradise Island. He helped me on a few occasions, always dropping the rate and getting the cash out I was seeking. I'm not surprised his firm is doing well. Long time friend and customer.

WWOOOOWW this team is Phenomenal. They are the top in the industry at helping clients finance dream homes, property investments, and refinancing. Anna, Laura, Amber and Amber, Kimberly, Jenn, Susan and I'm sure I'm missing someone, are all wonderful! These women are the best of the best.  I can't say enough great things about them. A+ everytime!!

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