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Mortgage Loans in Alabama

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Find a Local Expert

Derek Hutcheson

SVP, Mortgage Business Development & Production 

Apply Now

NMLS #801057

Lisa Orme

Mortgage Loan Originator Assistant

NMLS #2803901

Maria Garcia

Mortgage Loan Originator Assistant

NMLS #2008072

Ryan Rice

Mortgage Loan Originator Assistant

NMLS #2748223

Purchase & Refinance Options

Conventional

Loan options up to 97% of purchase price. Often, the best refinance solution!

Jumbo

Loan amount options up to $3mil.

Non-QM

Great alternative financing solutions for self-employed borrowers, investment properties and unique property types.

VA

100% financing options available to veterans and active service members.

FHA

Great financing options for first time homebuyers.

USDA

100% financing for eligible areas outside city/suburban limits. Another great first-time homebuyer solution.

Equity Loans

Line of credit options or second mortgage term loans for existing homeowners, great for debt consolidation purposes.

Bridge Financing

Temporary loan solutions (equity transfer), so you can buy your new home immediately, instead of waiting for it to sell.

Commercial

Business purposes loans for entrepreneurs or potential secondary sources of income.

Document Checklist

Income & Employment

Although not required for some of our alternative home loans, these documents verify your income and employment status.

Credit Report

With your green light, we’ll run your credit report to help determine eligibility.

Bank Statements

In most cases, two months of bank statements will be required, along with verification of any gift funds.

Insurance

We’ll need your insurance carrier’s contact information, plus proof of homeowner’s insurance and other policies if necessary.

Andy Ramer

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