When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.

 We are a Birmingham,AL based mortgage broker/banker and understand the needs of the people in our coverage area. We are currently licensed in AL, FL, GA, and MS. We are the bank - therefore we control the entire underwriting process from origination to post closing. We make the decision and we lend the money. There is no middle-man or confusion thus we make your loan flow smoothly from start to finish with no surprises at closing! We can close your loan in as little as 2-3 weeks with current appraisal in hand. With over 25 years experience we know all the in's and out's to make your closing a pleasure rather than something to dread! Please call Terry or myself at 205-910-5698 to start the process today.

Refinancing your current mortgage has never been easier.  We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan! With rates currently in the low 5% range we can surely save you thousands of dollars in the long run.

Buying your new home is always a special time for most and we take a lot of the heavy lifting out of it for you. You have enough to worry about with moving! We work with partner realtors all over AL and the Southeast to ensure your closing is done quickly and on time. We still have the ability to 100% financing with bond money so why not call one of our loan experts today to get started!

We proudly offer the full spectrum of government and private equity products including:

• FHA
• VA
• UDSA - Rural Development
• Conforming and Jumbo Loans
• Reverse FHA mortgages
• Home Improvement Loans (203K FHA)
• Construction to Permanent (CP) Loans
• Commercial Property to $5M

Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.