Mortgage Companies

One of the first steps in the home-buying process is to be pre-qualified for your loan.  Pre-qualifying lets you know the price range of the houses we can see together.  Most mortgage companies will pre-qualify you over the phone in just a few minutes
 
When choosing a mortgage company, its important to choose a loan officer you are comfortable with:  someone who answers all your questions, listens to your concerns and explains the loan process.
 
While we do not recommend any particular mortgage company, we have listed below several that you may want to consider:
 

Dwight Wiggins
205-243-8845
dwight.wiggins@bbvacompass.com
PURCHASE - REFINANCE - GOOD, SOUND MORTGAGE ADVICE

HomeServices Lending
www.asl-al.com
John Marbury
205-445-1445

Gary Parker, Henger Rast Mortgage

3161 Cahaba Heights Rd, Suite 203 Birmingham, AL 35243 Direct: (205) 503-4155 Office: (205) 271-1210 Ext. 127 Fax: (205) 271-1230 Email: gparker@hengerrast.com Apply for a Loan Full Application Short Application Free Consultation

FOCUS: As a Mortgage Banker Gary’s goal is to match every client’s unique borrowing needs with the best possible mortgage product in a highly professional and ethical manner. BACKGROUND: Gary brings a wealth of knowledge and experience to his role as a Mortgage Banker. To enhance his knowledge of mortgage finance, he trained with the prestigious XINNIX Mortgage Academy. For 25 years he served the individual needs of clients as an attorney practicing in Birmingham. Having worked with lawyers and clients of all types, including doctors and nurses, Gary is uniquely qualified to listen to your needs and provide exceptional service to you whether you are a professional or a first time homebuyer. His attention to detail and ability to anticipate and solve problems will make your financing experience a pleasant one. In addition to his J.D., Gary has a B.S. in Accounting and an MBA from Samford University. ON THE PERSONAL SIDE: Gary is a native and lifelong resident of Birmingham, where he lives with his wife Janet. He has three adult children, allowing him to enjoy traveling, reading, running, and music in his spare time.

Free Loan Approval      TOP

From the beginning, HomeServices Lending has strived to go above and beyond expectations.  We believe that to stand out from the crowd, you must go that extra mile.  That is why we offer free, personalized evaluations of what you can afford in a home or advice in determining whether refinancing is a smart option.  We use the very latest in technology to provide firm loan approvals within minutes of the application.  Our customers can also apply online.  We streamline the process and can have a borrower ready to close within days rather than weeks.  We work to maintain the very best offering of products and the most competitive rates and are constantly looking for new ways to achieve totally satisfied customers.  Contact us  today and experience the MortgageSouth difference. 

Pre-Approval

• Is more than prequalification - you receive a written commitment which specifies the amount you can borrow.
• Confirms your purchasing power.  Your RealtySouth agent and home seller will be reassured that you are a serious buyer, an important point in a competitive market.
• Provides peace of mind.  You will know you can afford the home you want, and that your mortgage application will progress smoothly. 
• Is easy.  Arrange an appointment with a MortgageSouth Consultant to help you select the type of mortgage which meets your needs.  It only takes about an hour and an inexpensive credit report.
• Saves time in your purchase of a home.  You'll be ready to buy when you find the home of your dreams.
• Use a MortgageSouth Preapproval to make your dream home a reality.

Pre-Approval Checklist

The following items may be needed to process your MortgageSouth Preapproval.  Your mortgage consultant will identify the items you need to provide.

1. W-2's from the last two years.
2. Current pay stub - one month.
3. Self-Employment Borrowers: two years tax returns (all schedules).  If applicable, please provide Corporate or Partnership returns. Also, a Profit and Loss Statement and Year-to-Date balance sheet will be necessary.
4. Bank and Stock Statements - two most recent months, or last quarterly statement.
5. Rental Agreement or two years tax returns if you own more than three properties.  Also, provide name and mailing address of the lender, loan number, current balance and estimated value.
6. Account numbers, balances and monthly payment amounts on all revolving or installment debts.
7. If applicable, a copy of your divorce decree.
8. Completed  loan application  form
9. Signed Disclosure Forms. 

We know you have many questions about financing.
That's why we have these helpful tools below to give you answers.