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Birmingham AL FHA Home Loans & Mortgages

Did you know that nearly 70% of all houses in Alabama are owned as opposed to rented? With a number like that, it’s clear that the people of Alabama are looking to plant roots in a family-owned house of their dreams. The Home Loan Expert in Birmingham, Alabama can help first time homebuyers and those looking to refinance their homes navigate the waters of the housing market with ease, poise, and confidence. We are here to walk you through the process every step of the way and cannot recommend with more confidence the FHA Loan. As one of the most flexible home-buying loans currently available, you can get preapproved for your loan on the same day you apply for it and be in your new Birmingham home in as little as two weeks!

The Home Loan Expert is an FHA, directly endorsed and approved lender from the Department of Housing and Urban Development. Our extensive expertise and understanding of the Birmingham housing market is not something many lenders share. Let us walk you through the basics of the FHA Loan, so you can decide if it’s the right choice for you. In fact, 1 in 5 homebuyers choose an FHA Loan to help finance their home.

With an FHA Loan:

  • Rates are typically lower than a Conventional Loan
  • You can use it to purchase a condo, a single-family home, or a 1-4 unit property
  • You will receive one month without mortgage payments

An FHA Loan also allows you to cash out up to 85% of your home’s value and refinance up to 97.75% of your home’s value. Currently, FHA Loan amounts in Birmingham are as much as $294,515 for a single-family home and $566,425 for a 4-unit home. With numbers like that, it’s easy to see why this loan has become so popular for Birmingham homebuyers.

I have a lot of debt, will that affect my rates and chances of getting approved?

The Home Loan Expert can approve your loan with a debt to income ratio up to 57%. In addition, we can approve loans with a credit score as low as 580. The FHA Loan really is the most flexible loan available – that’s why we love it! You can even qualify for a down payment of 3.5%.

The Home Loan Expert in Birmingham provides the top of the line speed, service, and security that not all lenders can. We can preapprove your FHA Loan on the same day you apply. We even keep it simple by giving you one agent to work with throughout the entire process. Our team will walk you through the lending process to ensure we close your loan in a timely manner. We want you to feel calm, cool, collected, and confident when you decide to work with us.

Contact The Home Loan Expert of Birmingham office today for more information on the FHA Loan!

If Alabama residents want a refinance or to purchase a new home, you will get the best deal and the highest quality service on FHA, HARP, VA, USDA, Jumbo, and Conventional loans.

We also offer incredible service and fast turnaround on debt consolidation loans, to pay off credit card debt or make home improvements. You can refinance to reduce your monthly payment, or to shorten the term of your loan, or to get rid of PMI. When interest rates are incredibly low, you can do all three at the same time!

So, if you are even thinking about buying a home or refinancing your current one in Alabama, call The Home Loan Expert office today. We service every homeowner in the Yellowhammer State, including Birmingham, Montgomery, Huntsville, Mobile, Tuscaloosa, Hoover, Dothan, Auburn, Phenix City, Gadsden, and any other city in the Heart of Dixie. We are proud to sit down with each applicant in person and discuss your mortgage face-to-face, from the Gulf to outer space (well, the U.S. Space and Rocket center, at least!)

Call our Alabama office at (205) 721-7656 every day of the week including Saturday and Sunday from 7 a.m. to 10 p.m. or apply online anytime at www.thehomeloanexpert.com.


Customer Service

Our customer first approach to mortgages is what separates us from all of the other banks and mortgage companies. Our team will walk you through the process to ensure that your loan closes in a very timely manner. Our competition may think our philosophy on face-to-face customer service is excessive but our clients sure do appreciate it.

We Are The Experts

Our team has set the standard in the mortgage industry. We hire only the best in the business. Our knowledge and experience is unmatched. We continue to train and study new mortgage loan programs to make us the best choice for mortgage refinancing and home purchases, debt consolidation, Conventional, FHA, HARP, VA, and Jumbo Loans available.

Better Home Loans with Lower Mortgage Rates

We provide you with several different mortgage loan options to ensure that you find the mortgage loan program that best fits your needs. Because of the volume of mortgage loans our team closes and the great relationships we have forged within our industry, we’re able to offer the most competitive mortgage interest rates to our clients.

We Are Mortgage Lenders, Not Mortgage Brokers

As a direct mortgage lender, our process has been streamlined from start to finish. Having the entire mortgage loan process contained under one roof allows us to quickly and efficiently close your loan. Our ability to use the newest mortgage loan products and underwrite our own files, allows us to approve loans that our competitors can’t.


Best Loan Conditions for Ideal Situations
Pay Off High Interest Debt
Flexible Loan Qualification Guidelines With Attractive Rates
Refinance Without An Appraisal
Work With A Trusted Lender On High-Dollar Loans
Zero Down Payment Specialty Loan For Veterans and active Military
Loans For Self-Employed and Business Owners
More Info
Find The Best Loan For You

Speak with an expert:
(800) 991-6494
Speak with an expert:

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Call Us! (800) 991-6494.