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Birmingham AL HARP Home Loans & Mortgages

Refinancing is almost always a financial hardship for homeowners. Most of the time, refinancing is the result of an unforeseen circumstance like a drop in home value, a dip in credit score, or accumulated debt. The Home Loan Expert understands that when you decided to purchase your home in Birmingham, you were not expecting this. Our extensive expertise and understanding of the Birmingham housing market has given us a leg up on other local lenders. For a limited time, we can offer you an affordable and effective option to help you get your head above water and refinance with confidence! The Home Affordable Refinance Program, or HARP is designed to help homeowners navigate the rough waters of a refinance with ease, comfort, and confidence. Let us walk you through everything the HARP program can do for you!
If you’re approved for a HARP, you can expect:

  • Competitive rates
  • Bankruptcy and foreclosure forgiveness
  • A month without mortgage payments

In most cases, you might not even need a home appraisal. And if your credit has taken a recent dip, come talk to us! We will still work to get you the best rates we can to ensure the HARP works for you. The underwriting guidelines for credit and income are more relaxed so that we can accommodate every one of our clients to the best of our ability. In addition, one of the biggest advantages with this program is that you will not have to pay for private mortgage insurance (PMI). This program is designed to help the people of Birmingham feel comfortable in their own homes again. Trust us, the HARP is a fantastic option for refinancing.

The Home Loan Expert can guarantee a quick turn around time with a speedy application process to keep you aware and confident in our services. We provide one-on-one customer service where our agents meet face to face with you, instead of over the phone. When applying for a HARP, you can expect less confusing and time-consuming paperwork. And you can always be sure that we will contact you with daily progress reports.

When refinancing your home, it is imperative that the agent you’re working with understands the concerns that come along with such an undertaking. Remember, the offer for this refinance-only program expires on December 31st, 2018. You need to make sure you act quickly so that you can once again feel safe and secure in your forever home. The Home Loan Expert in Birmingham will be sure that once you’re approved for the HARP, you can go back to living your life in your forever home.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
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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.