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Birmingham home loansBirmingham Mortgage & Home Loans
Alabama's biggest market, financed without the runaround.
The Birmingham market — and how we finance it.
Birmingham anchors Alabama's economy with a deep healthcare, banking, and university employment base centered on UAB. Housing stock ranges from historic homes in Highland Park and Forest Park to newer construction in the suburbs over Red Mountain, and entry prices remain among the most accessible of any major Southern metro. That affordability keeps both first-time buyers and small investors active year-round.
We work with first-time buyers using FHA and low-down-payment conventional financing, medical professionals relocating for UAB and the hospital system, and investors picking up rental property on DSCR terms.
Licensed in Alabama. Ignite Loan Partners, NMLS #2381991. Equal Housing Opportunity.
Popular loan programs in Birmingham.
Birmingham mortgage questions.
What down payment do I need in Birmingham?
It depends on the program. VA can be $0 down for eligible veterans, FHA starts at 3.5%, and conventional can start at 3%. Birmingham's price points mean those percentages translate to relatively modest cash to close compared with most metros.
Do you finance investment property in Birmingham?
Yes. Birmingham's rent-to-price ratios make it a popular buy-and-hold market. Our DSCR program qualifies the loan on the property's rental income rather than your personal tax returns.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings. Serving Birmingham, Alabama and the surrounding market.
Buying or refinancing in Birmingham?
Start a quick, no-pressure application and we'll map the right path for your Birmingham purchase or refinance.