Capital Home Mortgage Alabama

Alabama Native American Home Loans

Alabama NATIVE AMERICAN Home lender

Are you an Alabama Native American?  Capital Home Mortgage Alabama is an Alabama Native American Home Lender dedicated to helping Alabama residents with Alabama Native American Home Loans.  The Alabama HUD-184 Loan  is a federally-backed loan program by the Department of Housing and Urban Development offering low Alabama Native American Mortgage Rates.  It was created specifically to provide Native American tribal members access to mortgage financing with flexible terms.  The Alabama Section 184 Loan Program is open to any one member of a federally recognized tribe.  The Loan is available to all Native Americans, first-time and repeat homebuyers, as long as they have a Tribal Membership or Citizen Card from a tribe officially recognized by the government.  If you are a member of an Alabama Native Tribe and believe you may be eligible for an Alabama Section 184 Home Loan, our dedicated HUD 184 Loan officers can help!  We provide free consultations, answer any questions you may have about an Alabama Section 184 Home Mortgage, and will walk you through all available loan options.

Capital Home Mortgage Alabama is a full-service Alabama Native American Mortgage Lender that offers and specializes in Native American Home Loans in Alabama . We have helped countless Alabama Native Americans achieve their goal of homeownership, and we can do the same for you too!  Call today (205) 352-1030 to speak with one of our Alabama HUD-184 Home Loan Specialist.

Alabama Native American Home Loans

Qualifying for an Alabama HUD 184 Loan

Are You Interested in an Alabama HUD-184 Loan?  Here are some important details you need to know before applying for the Native American Home Loans.

  • Credit Score:  The HUD-184 Loan does not require a minimum credit score, making it ideal for qualified but credit-challenged borrowers.
  • Debt-to-Income Ratio:  A single back ratio of 41% debt-to-income ratio to determine the loan size borrowers can afford.
  • Borrower Income Limit:  The HUD-184 Loan does not apply to borrower income limits.
  • Down Payment :  The HUD-184 Loan has some of the lowest down payment requirements in the market.
  • Closing Costs: This money could come from your savings, investments, or gifts from family members. Tribal assistance is also accepted.
  • First-Time and Repeat Buyers: Compared to other low-down-payment mortgage programs, this one is open to first-time and repeat home buyers.
  • Eligible borrowers may participate in the program multiple times but are allowed only one Section 184 Loan at a time

Alabama Native American Purchase Loan

Alabama HUD 184 Home Loans are solely for Native Americans and offer a variety of purchase benefits.

  • Primary Residences Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase an Existing Home
  • Construction of a New Home
  • Rehab an Existing Home
  • Purchase / Rehab Combo Loan

Alabama Native American REfinance Loan

Alabama HUD 184 Refinance Home Loans can streamline rate & term, equity cash-out, or Rehabilitation of current residence.

CAsh-Out or Renovation

  • Appraisal Required
  • 97.75% Max LTV for Rehab
  • 85% Max LTV for Cash-out
  • County Loan Limits Apply

Streamline REfinance

  • HUD 184 to HUD 184
  • No Income Qualification
  • No Appraisal Required
  • No Mortgage Lates in Last Year

Alabama Native Americans Overview

Alabama is home to several Native American tribes, each with its own unique history, culture, and contributions to the state. Some of the prominent Native American tribes historically associated with Alabama include:

Cherokee: While primarily associated with the southeastern United States, including areas of present-day Alabama, the Cherokee Nation has a complex history of interactions with European settlers and the United States government. The Trail of Tears, a tragic event in American history, saw the forced removal of thousands of Cherokee and other Native Americans from their ancestral lands to Indian Territory (present-day Oklahoma).

Choctaw: The Choctaw Nation, historically one of the major Native American tribes in the southeastern United States, inhabited parts of Alabama, Mississippi, Louisiana, and Florida. They were one of the tribes forcibly relocated along the Trail of Tears.

Creek (Muscogee): The Creek Nation, also known as the Muscogee (or Muscogee Creek) Nation, is made up of several related groups of indigenous peoples who originally lived in the southeastern United States. The Creek Confederacy once occupied large portions of present-day Alabama, Georgia, and Florida.

Chickasaw: The Chickasaw Nation, closely related to the Choctaw, inhabited parts of present-day Alabama, Mississippi, Tennessee, and Kentucky. Like the Choctaw, they were also forcibly removed from their ancestral lands during the Trail of Tears.

Yuchi: The Yuchi people, often considered one of the original indigenous tribes of the southeastern United States, have historical ties to Alabama, among other states. They have a distinct language and cultural heritage.

Koasati: The Koasati people are part of the larger Muscogee (Creek) Nation and have historical connections to Alabama, particularly in the southern region near the Gulf Coast.

These tribes, among others, have rich histories in Alabama, and their descendants continue to contribute to the cultural tapestry of the state. However, it’s essential to recognize that the history of Native American tribes in Alabama, like much of the United States, involves periods of forced relocation, conflict, and displacement due to colonial expansion and government policies.

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 Mortgage Payment

Alabama Native American 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 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 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 Cities

Birmingham Home Loans

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Mobile Home Loans

Huntsville Home Loans

Tuscaloosa Home Loans

Hoover Home Loans

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