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Real Estate Lending Group
Recognized. Respected. Recommended.
(256) 536-5603 555 Sparkman Dr NW Ste 826
Huntsville, AL
Progressive Mortgage Group
Save on closing costs by applying online.
(256) 880-8603 2801 Governors Dr
Huntsville, AL
Allied Home Mortgage Capital Corp
(256) 308-9722 1314 6th Ave SE
Decatur, AL
Redstone Federal Credit Union
Our Members are our #1 Priority.
(256) 837-6110 220 Wynn Dr NW
Huntsville, AL
First Federal Mortgage
(256) 551-0123 1010 Airport Rd SW
Huntsville, AL
Mortgage America Inc
(256) 260-5700 Huntsville, AL
Premier Mortgage
(256) 382-1000 701 Pratt Ave NW
Huntsville, AL
Reliance Bank
www.reliancebanking.com Telephone Banking - 232-8835
(256) 232-1944 Huntsville, AL
Courtesy First Home Lenders Inc
(256) 216-0202 Huntsville, AL
1stusamortgageservice.com
Let 1stUsaMortgageService.com Be Your 1st Choice
(310) 715-2191 Huntsville, AL
L & D Financial
Home Building-Credit Repair-Home Loans-Business
(469) 272-3444 Huntsville, AL
Mortgage Lending Group Inc
100% Loans~ Reverse Mortgages~ FHA~ VA & Conventional~ One Day Out of ...
(256) 351-7740 2132 6th Ave SE
Decatur, AL
Mortgage America Inc
(256) 882-0233 2315 Market Pl SW
Huntsville, AL
Family Security Credit Union
(256) 340-2000 2204 Family Security Pl
Decatur, AL
American Family Insurance-Havener Donald
(636) 583-2008 301 Hwy 50 W
Union, MO
Mortgage - Countrywide®
No Closing Cost Refi. No Points. No Credit Report or Processing Fees.
Ditech® Mortgage Lending
Find Low Competitive Rates & Fees Buy a Home, Get Pre-Approved Today.
American General Financial Svc
(256) 533-3402 908 Memorial Pkwy NW # 1a
Huntsville, AL
American General Financial Svc
(256) 880-7280 700 Airport Rd SW
Huntsville, AL
Ameriquest Mortgage
(256) 536-3844 200 Clinton Ave W # 502
Huntsville, AL
Amsouth Bank
200 Clinton Ave W
Huntsville, AL
Apex Mortgage
(256) 489-2265 303 Williams Ave SW
Huntsville, AL
Apex Mortgage Brokers Inc
(256) 650-5152 3322 Memorial Pkwy SW # 618
Huntsville, AL
Arlington Capital Mortgage
(256) 533-6789 922 Merchants Walk SW
Huntsville, AL
Cendant Mortgage
(256) 650-0777
Huntsville, AL
Charis Group
(256) 885-4044 7531 Memorial Pkwy SW
Huntsville, AL
Citi Financial
(256) 881-2016 7501 Memorial Pkwy SW # 207
Huntsville, AL
Citi Financial
(256) 650-5528 964 Airport Rd SW # 11
Huntsville, AL
Citi Financial
(256) 922-0001 6125 University Dr NW # D6
Huntsville, AL
Citi Financial
(256) 539-8424 2209 University Dr NW
Huntsville, AL
Citizens Community Bank Mtg
(256) 852-5005 1936 Winchester Rd NE # A
Huntsville, AL
Coat's & Co Inc Huntsville
(256) 562-2200 525 Madison St SE
Huntsville, AL
Collins Note Buyers
(256) 713-1025 600 Boulevard South SW
Huntsville, AL
Consumer First Mortgage
(256) 534-3797 1806 University Dr NW
Huntsville, AL
Consumer First Mortgage Co
(256) 534-1722 900 Bob Wallace Ave SW
Huntsville, AL
Cornerstone Mortgage Group
(256) 532-3191 904 Bob Wallace Ave SW
Huntsville, AL
Countrywide Home Loans
(256) 534-5225 919 Merchants Walk SW
Huntsville, AL
Business Name: Address:
Countrywide Home Loans
(256) 533-5553 900 Bob Wallace Ave SW # 110
Huntsville, AL
Countrywide Home Loans
(256) 519-3100 2409 Commerce Ct SW
Huntsville, AL
Countrywide Home Loans
(256) 885-1700 3601 Memorial Pkwy SW # C
Huntsville, AL
Don Patton Mortgage Broker
(256) 837-9905 1580 Sparkman Dr NW
Huntsville, AL
Dreamstar Mortgage
(256) 851-1933 3310 Winchester Rd NW
Huntsville, AL
Eva Bank Mortgage
(256) 881-3700 3000 Bob Wallace Ave SW
Huntsville, AL
Fatboy Productions
(256) 852-1140 1527 Winchester Rd NE
Huntsville, AL
First American Bank
(256) 519-6900 100 Church St SW # 200
Huntsville, AL
First Family Mortgage Co
(256) 425-0105 7527 Memorial Pkwy SW # B
Huntsville, AL
First Federal Bank Mortgage
(256) 551-0123 1010 Airport Rd SW # A
Huntsville, AL
First Financial Mortgage
(256) 382-0090 4410 University Dr NW # 119
Huntsville, AL
First Metropolitan Mortgage
(256) 713-2000 2004 Poole Dr NW
Huntsville, AL
Hamilton Mortgage Corp
(256) 539-9800 915 Merchants Walk SW # B
Huntsville, AL
Holland Home Funding
(256) 890-8884 4920 University Sq
Huntsville, AL
Home Town Lenders
(256) 430-9867 4833 Sparkman Dr NW
Huntsville, AL
Home Town Lenders Perimeter
(256) 828-8309 1500 Perimeter Pkwy NW # 350
Huntsville, AL
Hometown Lenders
(256) 512-5626 4833 Sparkman Dr NW # C
Huntsville, AL
Impact Mortgage
(256) 217-9990 1797 Jeff Rd NW
Huntsville, AL
Income Tax Xpress
(256) 885-0866 2227 Drake Ave SW # 11
Huntsville, AL
Lawhorn Mortgage Co
(256) 539-0555 200 Clinton Ave W # 509
Huntsville, AL
Business Name: Address:
Magellan Mortgage
(256) 288-0288 1803 University Dr NW # A
Huntsville, AL
Magellan Mortgage
(256) 430-1044 4710 University Dr NW
Huntsville, AL
Mortgage America
(256) 852-4446 1527 Winchester Rd NE
Huntsville, AL
Mortgage America Inc
(256) 882-0233 2315 Market Pl SW # B
Huntsville, AL
Mortgage Avenue
(256) 551-0797 2315 Market Pl SW
Huntsville, AL
Mortgage Executives
(256) 837-4153 1580 Sparkman Dr NW
Huntsville, AL
Mortgage Outlet Inc
(256) 533-5669 7501 Memorial Pkwy SW
Huntsville, AL
National Lending Corp
(256) 851-9224 2025 Sparkman Dr NW
Huntsville, AL
New South Federal Savings Bank
(256) 539-9538 2313 Market Pl SW # B
Huntsville, AL
New Start Funding
(256) 704-4450 920 Merchants Walk SW
Huntsville, AL
North Alabama Bank
(256) 852-4123 1590 Winchester Rd NE
Huntsville, AL
Old Stone Mortgage Llc
(256) 885-1700 3601 Memorial Pkwy SW # C
Huntsville, AL
Platinum Mortgage Inc
(256) 713-1500 927 Merchants Walk SW # C
Huntsville, AL
Premier Mortgage
(256) 382-1000 701 Pratt Ave NW # 101
Huntsville, AL
Premier Mortgage Funding Inc
(256) 830-0117 555 Sparkman Dr NW # 826
Huntsville, AL
Premier Mortgage Funding Inc
(256) 859-5285 2006 Poole Dr NW # E
Huntsville, AL
Prime Max Mortgage
(256) 543-9211 7501 Memorial Pkwy SW
Huntsville, AL
Progressive Mortgage Group
(256) 880-8603 3322 Memorial Pkwy SW
Huntsville, AL
Providence Mortgage Group
(256) 489-3980 555 Sparkman Dr NW # 1615
Huntsville, AL
Real Estate Lending Group Inc
(256) 536-5603 908 Merchants Walk SW # B
Huntsville, AL
Redstone Federal Credit Union
(256) 882-8500 3309 Memorial Pkwy SW
Huntsville, AL
Redstone Federal Credit Union
(256) 837-6110 220 Wynn Dr NW
Huntsville, AL
Regions Bank
508 Madison St SE
Huntsville, AL
Renasant Bank
(256) 882-5525 4245 Balmoral Dr SW
Huntsville, AL
Shore Mortgage
(256) 217-0554 555 Sparkman Dr NW
Huntsville, AL
Signature Mortgage Llc
(256) 882-7940 415e Church St NW # 9
Huntsville, AL
Southbank Fsb
(256) 535-6000 118 Jefferson St S
Huntsville, AL
Southern Mortgage Group
(256) 288-0052 2904 Westcorp Blvd SW
Huntsville, AL
Stockton Capital Funding Inc
(256) 533-5626 209 Lincoln St SE
Huntsville, AL
Sun Mortgage America
(256) 882-2384 7501 Memorial Pkwy SW
Huntsville, AL
Sun Trust Mortgage
(256) 650-2244 4000 Balmoral Dr SW
Huntsville, AL
Sunset Mortgage Inc
(256) 562-1143 1200 Jordan Ln NW # 4
Huntsville, AL
Synovus Mortgage Corp
(256) 288-4302 301 Washington St NW
Huntsville, AL
Synovus Mortgage Corp
(256) 288-5131 1333 Enterprise Way NW
Huntsville, AL
Titanium Mortgage Llc
(256) 859-5551 2002 Poole Dr NW # D
Huntsville, AL
Wachovia Mortgage Corp
(256) 551-4127 409 Madison St SE
Huntsville, AL
Walter Mortgage Co
(256) 882-6543 3322 Memorial Pkwy SW
Huntsville, AL
Wells Fargo Financial Accptnc
(256) 922-1300 6125 University Dr NW # B8
Huntsville, AL
Strong housing market means sound loans are available
Wednesday, February 27, 2008 Huntsville Times
Despite national credit woes, area lenders say good loans are available for
houses in Huntsville
area.
"Nationally, credit is tighter due to the well-publicized trouble in
housing," says Bill Nigh, executive vice president and chief operating
officer of First Commercial Bank. "However, locally, our market is still
strong so we have not had as much tightening related to credit."
Nigh says construction and construction-permanent
loans
are available for those who want to build, and home equity lines of credit
can help owners renovate their houses.
Also, he says demand for housing has remained strong and consistent while
availability in certain areas has increased faster than demand in
anticipation of the military base realignment, or
BRAC.
"This has created a little more of a buyer's market in those areas than
we have experienced in the past," Nigh says, but loans are certainly
available for those who qualify. "Rates are low to help the economy and
housing market improve in general."
It's an especially good time to take advantage of good interest rates,
although he says the decision to build depends on the individual, and
location. There are many factors that go into that decision, including
inventory and current housing inventory.
While many areas of the country are having problems with a declining
housing market, Dorothy Lofton says the Huntsville area is a great place to
make a loan and buy a house.
"I don't think we should be concerned with the activity we are
experiencing this area," says Lofton, manager of New South Federal Savings
Bank in Huntsville.
"I think we are still in a buyer's market, but we all know that can turn
around quickly. I think building a home now would be smart and timely."
Affordable interest with interest rates hovering around a very affordable
6 percent and construction costs easing, Lofton says those are good
incentives to build or buy your dream house.
"Money is available in Huntsville," she says. "I don't believe there is a
credit crunch at all. We are using more FHA loans for customers with credit
glitches that result in lower credit scores."
Lofton says the meltdown in the industry is rooted in programs developed
for buyers who "wanted more house" or to help them qualify for the house.
That meant the programs were designed to fit needs such as no income, no
asset, or stated income, stated assets. Usually this loan was combined with
an interest-only ARM (adjustable rate mortgage) or a pay-option ARM.
"This worked great until housing prices began to fall," she says. "Before
housing prices came down, if a homeowner on one of these programs got into
trouble with making the payments, they could sell the house, make a good
profit and move on. However, when the meltdown happened, those who could not
make the payment (after the yearly adjustment to the interest rate), were
not able to sell the house, and that is when the foreclosures started."
New technology and diverse financial offerings make it easier for people
with good credit to apply and receive a mortgage. Software allows them to
enter a loan amount, house price and credit score into several programs that
can qualify you for a loan. A sizeable portfolio of loan products are
available.
Computers have considerably lessened the processing time, completing in
minutes what once took up to six weeks to handle. This technology also makes
it much easier and faster to provide several loan options, depending on an
applicant's credit score and history.
Lofton says those approved know right away and can meet with their
Realtor that same day.
The main factor in any loan is your credit score. A good one will likely
qualify you for a conforming loan and a lower interest rate with better
options. Lofton says these loans are underwritten in conjunction with the
Alabama Housing Finance Authority and also offer 100 percent financing and a
30-year fixed rate mortgage. People in a low- to medium-income bracket can
qualify for these loans, making it possible for them to buy a house. The
loan requires no down payment.
Nathan Lombard, assistant vice president of real estate at Redstone
Federal Credit Union (RFCU), says the credit union offers
construction-permanent loans for new construction and cash-out refinances,
second mortgages and home equity lines of credit for house improvements.
United First Financial offers The Money Merge Account system, a new
product that helps home owners to pay off their existing mortgage in as
little as half to a third less time, says Branch Manager Joe Staley. This
software keeps the homeowner on track, saving thousands of dollars in
interest.
Staley says because many Americans lack the financial savvy to really
understand the mortgage process, they make budgeting decisions based on
emotion rather than gaining the financial education to make the most of
their finances. By combining credit strategies with advanced financial
tracking software, UFirst's Money Merge Accountant system helps you make
better financial decisions that increase equity payments, help weigh out the
long-term impact of financial decisions in advance of making them, and pay
off mortgages on an accelerated schedule.
100% Financing in Huntsville Alabama
The First Step Bond Program through Alabama Housing Finance Authority has just been released. Colonial Bank is happy to be a participating lender for this zero down payment program. $30,000,000 has been allocated at a rate of 5.875% fixed for 30 years. There are sales price limits of $289,705 for Target Areas, and $237,031 for Non-Target areas. It's not just for first time home buyers! Search the entire Huntsville, Madison, and Athens MLS to find a property then contact me and I will help you negotiate the best price on your next home!
Pre-qualification simply means you haven't been ruled out for any particular loan program. But a pre-approval means your credit, income and assets appear to satisfy all of the requirements for the loan of your choice. Today, credit scores are more important than ever! No one wants to waste time. Allow myself and your choice of a mortgage professional help you with your Huntsville and North Alabama Real Estate needs. Our real estate market in North Alabama is still as strong as anywhere in the country, and it will continue to grow stronger as the BRAC relocation brings more opportunity to the Huntsville and North Alabama area.
Program set to help stop Huntsville Mortgage foreclosures
Lawyers in Huntsville will kick off a statewide program here today to assist homeowners in danger of losing their houses because of mortgage foreclosures, according to the Alabama State Bar Association.
The campaign will have a staggered rollout throughout the state, said Tom Methvin, president-elect of the bar association. The Huntsville/Madison County area is being targeted first because of the high number of reported foreclosures, he said.
"The Alabama State Bar is concerned about the high number of foreclosures in the state," he said. "It's very easy in Alabama for lenders to foreclose on a mortgage and take someone's house."
In August alone, 55 homes were in some stage of foreclosure in the Huntsville area, compared to 19 the previous year, according to RealtyTrac, a company that follows foreclosures nationwide and posts the results on the Internet. Alabama reported 827 foreclosures in August, up 30 percent compared to a year ago.
Additionally, about 30 percent of the population of Alabama is below the federal poverty line, Methvin said. They are "sitting ducks" for predatory lenders, he said.
"We don't want anyone to lose their house without a chance to have assistance from a lawyer," he said.
There are various ways distressed homeowners can receive free help from a lawyer through Legal Services Alabama, Methvin said. Help negotiating with lenders is available to those of all income levels. Assistance for those who need to go to court is available only to low-income homeowners, he said.
"At no cost, legal aid attorneys will interview homeowners by phone and may write a letter on their behalf to the lender, for example, or, depending upon the circumstance, they will try to negotiate a workout of the mortgage," he said.
"In some cases, the attorney may represent the homeowner in various stages of foreclosure litigation, including mediation, but this option is limited to low-income individuals."
Under a public-awareness and education campaign, homeowners facing foreclosure can call a toll-free hot line at 877-393-2333. They will be connected with a legal aid attorney who will advise them about the various stages of the process and furnish free legal assistance.
"Homeowners need to know there are options, but the key to a successful outcome is early intervention, and I can't stress that enough," Methvin said. "If you are having a problem making your monthly payments and believe foreclosure is imminent, you must act now."
The bar association has available a public-information pamphlet that provides answers to some of the most frequently asked questions about foreclosure. Copies may be downloaded from the bar association's Web site: www.alabar.org/, then click on "foreclosure resources," Methvin said.
"We are very concerned about people losing their homes," he said. "We are also concerned about other related effects of foreclosure such as reducing property values, creating blight with vacant and abandoned properties in neighborhoods, and diminishing the local tax base, which often supports important services, and straining court dockets."
The state bar and the state Broadcasters Association have produced a series of broadcast messages that will begin airing on radio and TV in Huntsville and surrounding areas, Methvin said.
Alabama allows for two kinds of foreclosure proceedings, judicial and nonjudicial, Methvin said. Nonjudicial foreclosures, the more common type, can occur in a time frame as short as 21 days.
"It is crucial for homeowners who have missed making even one monthly mortgage payment to call the hot line immediately," he said. "We are committed to assisting consumers who are facing the difficult prospect of losing their homes or filing for bankruptcy."
Legal Services Alabama is a nonprofit organization providing free civil legal and law-related services to low-income Alabamians in all 67 counties.
The 15,700-member Alabama State Bar is dedicated to promoting the professional responsibility, competence and satisfaction of its members, improving the administration of justice, and increasing public understanding and respect for the law, Methvin said.
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Debt Consolidation
If you are struggling to pay off your debt, perhaps you should
consider debt consolidation. This involves consolidating all your debt
into one, affordable monthly payment. The experts at Harrington Brooks
will be able to offer you assistance with applying for a debt
Nemo Loft Conversion Loan
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How to get good Alabama Mortgage Rates
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1 yr jumbo ARM
3/1 jumbo ARM
3/1 jumbo ARM
7/1 jumbo ARM
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2/28 ARM
3/27 ARM
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30 yr fixed mtg
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5/1 ARM (interest only)
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You’ve no doubt heard of Twitter by now. But it is worth the effort? Will it help your real estate business? You may have delayed a year or two on Facebook before, only to realize now how 
Pinpointing the home mortgage interest rates for 2009 can seem hard to do, but the truth is we have a pretty good idea of what to expect. Whenever someone is purchasing a Alabama home or 
In simple words, mortgage refinancing means paying off the old mortgage and getting a new mortgage. Mortgage refinancing also could be defined as new loan that substitutes the existing 
Alabama Mortgage loan modification and refinancing used to be as eventful as changing one’s shirt on a hot day. Nothing difficult, sexy, or exciting. With home prices plummeting, you may need professional or government help 