Home Purchase Financing
Whether you are a first-time buyer or purchasing your next property, we offer competitive purchase loan programs tailored to your needs throughout Alabama and Florida.
Explore our comprehensive range of purchase loan programs designed for every type of Alabama homebuyer.
Fixed-rate and adjustable-rate conventional mortgages for borrowers with good credit. Down payments as low as 3% with competitive rates and flexible terms from 10 to 30 years.
Down payments from 3%
No PMI with 20% down
Fixed and ARM options
Jumbo amounts available
Federal Housing Administration loans with lower down payment requirements and more flexible credit standards. Ideal for first-time buyers and those with limited savings.
Down payments as low as 3.5%
Flexible credit requirements
Higher debt-to-income allowed
Assumable mortgages
Zero down payment mortgage options for eligible veterans, active-duty service members, and surviving spouses. No private mortgage insurance required.
Zero down payment
No PMI required
Competitive interest rates
Flexible credit guidelines
100% financing for eligible rural and suburban homebuyers. No down payment required, and reduced mortgage insurance makes monthly payments more affordable.
100% financing available
No down payment needed
Reduced mortgage insurance
Income-based eligibility
Financing for luxury homes and high-value properties that exceed conforming loan limits. Competitive rates and customized terms for qualified borrowers.
Loan amounts above $766,550
Competitive jumbo rates
Fixed and ARM options
Asset-based qualification
Specialized financing for rental properties, multi-unit buildings, and real estate investment portfolios. Maximize your returns with the right loan structure.
1-4 unit properties
Portfolio loans available
DSCR qualification options
Cash-out for more investments
A straightforward process from pre-qualification to closing day.
Know your budget before house hunting.
Shop with confidence using your pre-qual letter.
We process your application and secure approval.
Sign documents and receive your keys.
Get started with a free consultation or pre-qualification. We are here to guide you every step of the way.