Home Mortgage Loans

• Finance the home you want, at a rate you can afford
• Competitively low rates for home purchase, refinance, or construction
• Available for primary residence, second homes, vacation homes, or investment properties
• A wide range of terms customized to your unique situation
• A wide range of financing programs available:
  • Fixed-rate mortgages
  • Adjustable Rate Mortgages (ARMs)
  • USDA Rural Housing Loans
  • FHA Loans
  • VA Loans
• Helpful loan advisors with working knowledge of the local real estate market
• Free pre-approval for extra confidence when it comes to securing financing
• Refinance your current home to potentially lower your rate
• Prompt, local decision-making
• Friendly, reliable service throughout
• Available to residents of Tuscaloosa, Northport and the surrounding area

• Fixed-rate 1st mortgage, or traditional home purchase or refinance. Term is up to 15 years.
• Fixed-rate 1st mortgage for unimproved property or land. Term is up to 12 years.
• Adjustable-rate 1st mortgage, fixed for 7 years, then adjusted annually with a 30-year amortization.

And great news!  We now offer 30-year FHA, VA, USDA and conventional mortgage loans. You can finance up to 100% for VA and USDA mortgages — no down payment required.

FHA offers a low down payment — only a 3.5 percent down payment is required and conventional, 30-year fixed offers financing up to 97% (with PMI/Private Mortgage Insurance).  Speak to a lender today at 205-759-1505 and get your free pre-approval letter.