Purchase · Refinance · Equity
Alabama loan programs, explained plainly.
Compare mainstream, government-backed, renovation, assistance, and alternative-documentation mortgages. Every page identifies its reviewer and separates confirmed terms from items still awaiting compliance review.
Conventional Loans
Conventional financing can work for primary homes, second homes, and eligible investment properties without government-program rules.
Explore this program Flexible government-backed financingFHA Loans
FHA financing can offer a practical qualification path for eligible buyers and homeowners.
Explore this program Buy and improve with one planFHA 203(k) & HomeStyle Renovation
Renovation financing can combine an eligible home purchase or refinance with approved improvement costs.
Explore this program Eligible rural and small-town financingUSDA Loans
USDA financing may provide a no-down-payment path for eligible borrowers purchasing an eligible primary home.
Explore this program A clear first stepFirst-Time Buyer Loans
First-time buyers can compare conventional, FHA, VA, USDA, and eligible assistance instead of being pushed into one program.
Explore this program Help with upfront home-buying costsDown Payment Assistance
Eligible assistance can be paired with a first mortgage to reduce the cash a qualified buyer needs for the down payment.
Explore this program Three possible pathsZero-Down Home Loans
VA, USDA, and eligible FHA plus down payment assistance are the three primary zero-down paths we compare.
Explore this program Serving military borrowers since 1992VA Home Loans
VA financing offers eligible military borrowers a distinctive purchase and refinance option backed by the Department of Veterans Affairs.
Explore this program Financing beyond conforming limitsJumbo Loans
Jumbo mortgages finance eligible homes above the current conforming loan limit with a more detailed review of income, assets, reserves, and property.
Explore this program Your finances may need a different approachNon-QM Loans
Explore mortgage options for self-employed income, 1099 earnings, substantial assets, rental properties, and condos needing a different project review.
Explore this program A different review for your condoNon-Warrantable Condo Loans
A condo that does not meet standard agency project requirements may need an alternative financing review.
Explore this program Alternative documentationBank Statement Loans
Eligible self-employed borrowers may document qualifying cash flow through personal or business bank statements under current program rules.
Explore this program Alternative documentation1099 Income Loans
Eligible independent contractors may use 1099 income and supporting documentation under an alternative qualification method.
Explore this program Alternative documentationAsset Depletion Loans
Eligible borrowers may use verified assets through an approved utilization or depletion calculation instead of relying only on employment income.
Explore this program Alternative documentationITIN Loans
Eligible borrowers using an Individual Taxpayer Identification Number may have a mortgage path under specialized documentation guidelines.
Explore this program Alternative documentationForeign National Loans
Eligible foreign-national buyers may finance an Alabama property using specialized identity, asset, occupancy, and documentation rules.
Explore this program Alternative documentationInterest-Only Loans
An eligible interest-only structure can defer principal payments for a defined period, with full qualification and clear payment-change disclosures.
Explore this programNot sure where to begin?
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