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Serving Alabama since 1987 · NMLS #204659

Experience you can reach directly.

One team, together in Gadsden, serving borrowers across Alabama. Find the guidance you need by language or specialty, with direct contact details and individual NMLS identifiers.

Showing 9 team members.

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Rod Morris

NMLS #204660

Rod has worked in lending since 1985 and co-founded First Equity with Susan in 1987. He leads the company with a focus on accountable decisions, borrower privacy, and the long relationships that come from serving the same communities for decades.

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Susan Morris

NMLS #204658

Susan co-founded First Equity in 1987 after studying Marketing at Jacksonville State University. As president, she brings practical guidance and steady care to borrowers, including people buying a home for the first time.

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Laura Byars

NMLS #1100958

Laura brings more than 15 years of lending experience to first-time buyers, homeowners, and investors. Her program experience includes conventional, FHA, VA, USDA, down payment assistance, 203(k), HomeStyle, jumbo, investment, and Non-QM financing.

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Trey Morris

NMLS #2397796

Trey helps borrowers move from early questions to a well-prepared closing. As part of the second generation working in the family company, he pairs direct communication with the local accountability First Equity was built on.

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Amber Davidson

NMLS #1738702

Amber focuses on down payment assistance and first-time buyer guidance. Real estate partners value her team’s product knowledge, communication, and work toward a smooth, timely closing.

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LaShonda “Shonda” Valencia

NMLS #1389055

Shonda provides mortgage guidance in English and Spanish. She helps borrowers understand their choices, documents, and next steps in the language that makes the process clearest for them.

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Laura Phillips

NMLS #405442

Laura serves Alabama borrowers with direct, professional mortgage guidance. She helps clients understand the available path and what is needed to move a file forward.

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