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 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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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
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!
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.