Make your dream home a reality with a mortgage loan customized to fit your unique situation. We're ready to welcome you home!
Local Mortgage Loans
Bank Independent Mortgage Lending
At Bank Independent Mortgage Lending, we understand that every homebuyer is unique, with different needs and financial situations. That's why our experienced mortgage professionals take the time to get to know you and recommend the mortgage solution that best fits your circumstances. With Bank Independent Mortgage Lending by your side, we'll help you find the mortgage that best fits your needs so you can focus on turning a house into your home. Let's connect today to start making your dreams a reality. It’s more than a mortgage, it’s 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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We'll help you choose the best mortgage loan and guide you through to your loan closing process.
Home Equity
Leverage the equity in your home for renovations, large purchases or even debt consolidation.
Meet Our Mortgage Loan Team
Joy Patterson
101 S Clinton St.
Athens, AL 35611
Athens, AL 35611
Mallory Murphy
301 E Limestone St.
Florence, AL 35630
Florence, AL 35630
Home Loan Types
With so many options available for buying or refinancing your home, it’s easy to feel overwhelmed—but don’t worry. Our team will guide you through every step of the decision-making process, drawing on decades of experience in the mortgage industry. Whether you’re a first-time buyer or a seasoned homeowner, our mortgage experts are here to understand your needs and match you with the right mortgage.
Conventional Mortgages
A conventional mortgage is a home loan that is not insured or guaranteed by a government agency, such as the FHA or VA. It typically requires a higher credit score and a larger down payment compared to government-backed loans. Conventional mortgages can have fixed or adjustable interest rates and are often used by borrowers with strong financial profiles.
Government-Backed Mortgages Loans
Government-backed mortgages are loans supported by federal agencies to make homeownership more accessible. These loans, including those from FHA, VA, and USDA, provide insurance or guarantees that help borrowers qualify more easily and often come with favorable terms such as lower down payments or no down payment requirements.
Construction Loans
We offer flexible construction loans designed to help you build the home or project of your dreams. With competitive rates and personalized service, our experienced lenders guide you through the process, from securing financing to completing construction. We make it easy to transition to a permanent mortgage once your project is finished, ensuring a smooth and seamless experience from start to finish. Whether you're building a new home or expanding your business, we're here to help you every step of the way.
Home Improvement Options
Home improvement mortgages are specialized loan products designed to finance renovations, repairs, or upgrades to a residential property. These mortgages typically allow homeowners to borrow funds specifically for home improvements, which can be used for projects such as remodeling kitchens, upgrading bathrooms, or adding new rooms. They often come with competitive interest rates and may be available in various formats, including home equity loans, home equity lines of credit (HELOCs), or renovation loans.
Down-Payment Assistance Programs
We offer several down payment assistance programs designed to help eligible homebuyers achieve their dream of homeownership. These programs provide financial support to qualified buyers, making it easier to afford a down payment. Each program has specific qualifications, and our experienced team is ready to guide you through the process to find the option that best suits your needs.
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.