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It's More Than a Mortgage, It's Home

Make your dream home a reality with a mortgage loan customized to fit your unique situation. It's more than a mortgage, it's Home!


Bank Independent Mortgage Office

Our experienced team of mortgage professionals are here to make your dream home a reality with a loan customized to fit your unique situation. We offer a wide range of products and services to help you find the right house for your situation and make it your home. Get a custom quote and learn more about our products and services from the comfort of wherever you are, and when you’re ready apply online so we can welcome you to the comfort of your new home.

Custom Quote

You're one-of-a-kind. Your mortgage should be, too. Customize your quote to fit your needs.

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Apply Now

We'll help you choose the best mortgage loan and guide you through to your loan closing process.

Apply Today

Home Equity

Leverage the equity in your home for renovations, large purchases or even debt consolidation.

Learn More

Meet Our Mortgage Loan Team

Joy Patterson

(256) 216-3736
101 S Clinton St.
Athens, AL 35611

Apply with Joy

Ray Nichols

(256) 765-3624
210 S Pine St.
Florence, AL 35630

Apply with Ray

Chandler Jackson

(256) 560-3086
2606 Hwy 31
Decatur, AL 35603

Apply with Chandler

Roxanne Benefield

(256) 765-3616
210 S Pine St.
Florence, AL 35630

Apply with Roxanne

Home Loan Types

You have a lot of options when it comes to buying or refinancing your home loan--but don't worry. Our team will be with you every step of the decision-making process, offering guidance and advice we've learned from decades in the mortgage industry.

Fixed or Variable Rate Home Loans

Some situations call for a fixed mortgage, while others suggest a variable rate mortgage with more flexibility for your budget or changing needs. We'll help you decide which is best for you.

Home Makeover Mortgage Loans

Buying a "fixer-upper?" We can create a mortgage that bases your estimated home value on the required improvements. We'll hold on to the extra cash needed for these improvements in a special escrow account out of which you pay contractors as work is completed.

Conventional Mortgage Loans

A "conventional" mortgage is one that meets the federal guidelines to be packaged and sold to secondary investors like large national banks. There are many types of conventional mortgages, including FHA, VA and USDA loans, each with different requirements and advantages. We'll help you find the best solution for your buying or refinancing situation.

First-Time Homebuyer Loan Program

Need help with a down payment for your first home? If assistance from family is an option, consider asking them to pledge a Certificate of Deposit (CD) for some or all of your down payment. As your home value increases, we release the CD funds being held as collateral. This way, your family member can help you buy your first home without spending his or her own money, plus they continue to earn interest on the CD!

person repairing a house window

Get up to $500 toward your HELOC closing costs.*

A Bank Independent Home Equity Line of Credit gives you flexible funds and a closing costs credit. Ask your local Sales Officer for details.

*Credit available for credit limits of $20,000 or more.

Alabama Home Equity Loans

Leveraging the equity in your home for renovations, large purchases or even debt consolidation through a home equity loan or home equity line of credit (HELOC) is often a great solution, especially in our current low-rate environment.

While a home equity loan has a fixed rate and payment, a HELOC allows you to draw funds from your available line of credit as needs arise, then repay on flexible terms.  Bank Independent's HELOCs offer streamlined quick, local approval and funding plus up to $500 toward your already-low HELOC closing costs!**  Visit your lender for details.

**$500 HELOC credit available for credit limits of $20,000 or more.