Alabama Mortgage Lender

Home Loans in Alabama

Welcome to Capital Home Mortgage Alabama, where our goal is to provide Alabama Home Loans to Alabama homebuyers and homeowners with low rates and fees while providing exceptional service.

First, we want to thank you for the opportunity to earn your business.  We understand that purchasing a home is the biggest decision of the most people lives and that is why Capital Home Mortgage Alabama provides dedicated points of contact throughout the entire mortgage process.  This ensures a stress-free smooth experience finishing with an on time closing.  After all buying a home should be exciting, not stressful.

As a direct Alabama Mortgage Lender, Capital Home Mortgage Alabama controls the lending process from start to finish.  Our in house processing and underwriting allows for quick make sense approvals and on time closings.   This control means from application to funding we make every decision.

Capital Home Mortgage Alabama is a full service Alabama Mortgage Lender that offers a wide range of mortgage products as well as competitive Alabama Mortgage Rates.  Whether you are a first-time purchaser seeking an  Alabama FHA Home Loan, looking for a rural property and needing an  Alabama USDA Home Loan, Native Alabamian wanting to use the HUD 184  Alabama Native American Home Loan, an active or retired veteran in need of an  Alabama VA Home Loan, or a seasoned buyer in need of an  Alabama Conventional Home Loan, we are here to assist.

Call today (205) 352-1030 to speak with our Alabama Loan Officers.

Alabama, is known for its rich history, Southern hospitality, diverse culture, and natural beauty. Montgomery is the capital city, while Birmingham is the largest city in the state. Alabama played a significant role in the civil rights movement and is home to various historical landmarks associated with that period. The state also boasts scenic landscapes, including the Gulf Coast beaches, the Appalachian Mountains in the northern part, and numerous rivers like the Tennessee River.

Alabama’s real estate market has shown steady growth in recent years. Cities like Birmingham, Huntsville, and Mobile have seen increased demand for residential properties. The state offers a diverse range of housing options, from urban apartments to suburban homes and rural properties. Factors such as job growth, a relatively low cost of living, and favorable weather contribute to its attractiveness for homebuyers and investors. Whether you’re looking for a starter home, investment property, or commercial real estate, Alabama provides various opportunities across its regions.

Alabama is located in the Southeastern region of the United States, with Tennessee and Georgia to the north, Florida and the Gulf of Mexico to the south, and Mississippi to the west. Alabama is the 30th largest state by land area and the 24th most populous state in the United States.

Thank you again for allowing us to help you with your Alabama Home Loan

Alabama Home Loans

Alabama Conventional Home Loans

An Alabama Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Alabama FHA Home Loans

An Alabama FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for an Alabama FHA home loan is consistent employment history and documented income.

Alabama VA Home Loans

An Alabama VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Alabama.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Alabama USDA Home Loans

An Alabama USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Alabama Jumbo Home Loans

An Alabama Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Alabama Non QM Home Loans

An Alabama Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Alabama Native american Home Loans

An Alabama Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Alabama Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Alabama One Time Close construction Home Loans

One Time Close Construction Mortgage Company
An Alabama One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company

Why Alabama HomeBuyers are Choosing Capital Home Mortgage

Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

Alabama Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Alabama Mortgage Programs

Alabama Home Purchase loans

Looking to Purchase an Alabama Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Alabama Renovation Home Loans

Looking to Rehab an Alabama Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Alabama FHA Home loans

Great 1st Time Alabama Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Alabama va Home Loans

100% Financing for Alabama Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Alabama Conventional Home loans

Flexibility for Alabama Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Alabama Jumbo Home Loans

Alabama Non-Confirming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Alabama USDA Home loans

100% Rural Alabama Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Alabama Native american Home Loans

Alabama Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Alabama Manufactured Home loans

Great Alternative Alabama Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Alabama Reverse Mortgage Loans

Your Alabama Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Alabama Non QM Home loans

Making Alabama Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Alabama One Time Close Home Loans

Build Your Alabama Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Alabama Refinance Mortgage loans

Alabama Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Alabama Cashout Mortgage Loans

Alabama Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Alabama Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132
Rebecca Solomon

Rebecca Solomon

Sr Loan Officer
NMLS #156188

Alabama Mortgage Company Reviews

AlabAMA Cities

Birmingham Home Loans

Montgomery Home Loans

Mobile Home Loans

Huntsville Home Loans

Tuscaloosa Home Loans

Hoover Home Loans

State Specific Mortgage Information

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