30+ years lending experience in North Alabama. Let my experience make your home purchase a smooth transaction. I have done this a long time and can spot red flags early, address them, and provide a smooth closing process. And communication is key with our team, you will get constant updates all along your home purchase journey.
Please note: You will be taken to an application page that will require you to create an account if you have not created one already.
In order to start your application process please create your account.
Remember this login as it will be used through ought the course of the mortgage process
If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.
Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.
It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses.