Mortgage Teams
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The Mike Carey Team
NMLS #384158
Alabama Rate & Term Refinance
RATE & TERM MORTGAGE REFINANCE
This may be one of the best times to refinance a home mortgage in Alabama. There are many reasons to refinance your mortgage and the majority of Alabama home owners can truly benefit. No mortgage lender in Alabama makes the refinance process easier than Alabama Loan Experts. We’ve built our reputation as one of the best mortgage lenders on customer service and helping our borrowers find the home loan that best fits their needs.
Lower Mortgage Rates, Lower Payments or Shorten Your Loan Term
With a home loan refinance you may be able to save money on your mortgage or lower your mortgage interest rate. A rate & term refinance may allow you to pay off your house sooner or consolidate a second mortgage before it becomes stressful. If you have enough equity in your home, you may be able to get rid of PMI(private mortgage insurance) once and for all. Whatever the case, Alabama Loan Experts will give you peace of mind knowing that you have the best home loan option available.
The Mike Carey Team can review your current home mortgage and help you make the best decision for you and your family.
Why use Alabama Loan Experts for your mortgage refinance?
- 5-min home loan approval and same-day loan options
FHA, Conventional, VA, USDA and Jumbo Loans - Competitive and low mortgage interest rates
- Fixed and adjustable interest rates
- Options for 2 months without a payment
- Options without PMI
- Lender credits available for closing costs
- Options with or without an appraisal
- In house underwriting and credit decisions
- We close home loans in as little as 14-days
- Industry leading customer service with everyone involved in the purchase process
A+ rating with the BBB
Why is now a good time to refinance your home in Alabama?
Mortgage interest rates are still very low and home values in Alabama continue to rise. What does that mean to you? You may be able to lower your mortgage payment & interest rate and start saving some money! When refinancing, it is possible to skip a couple months of mortgage payments. If you have enough equity in your home, we can get rid of the PMI(private mortgage insurance). If you’d like to switch from a 30-yr mortgage to a 15-yr, we can refinance your loan and shorten the term. You don’t know what home loan refinance options are available until you contact The Mike Carey Team.
We have created a team of hardworking mortgage professionals, who enjoy serving homeowners with integrity and enthusiasm. We place our value in the high level of service we provide to borrowers, Realtors, builders and each other. Our team is committed to excellence and doing the right thing, every time. If you share our values and commitment to providing exceptional customer service, please consider joining our team.
Alabama Home Loans & Mortgages
The Mike Carey Team – Offices Located in Foley and Orange Beach
316 McKenzie St., Suite 118
Foley, Alabama 36535
27250 Perdido Beach Blvd. #F3
Orange Beach, Alabama 36561
WHy CHoose Alabama Loan Experts
CUSTOMER SERVICE
Our customer first approach to mortgages is what separates us from all of the other banks and mortgage companies. Our team will walk you through the process to ensure that your loan closes in a very timely manner. Our competition may think our philosophy on face-to-face customer service is excessive but our clients sure do appreciate it.
WE ARE MORTGAGE LENDERS, NOT MORTGAGE BROKERS
As a direct mortgage lender, our process has been streamlined from start to finish. Having the entire mortgage loan process contained under one roof allows us to quickly and efficiently close your loan. Our ability to use the newest mortgage loan products and underwrite our own files, allows us to approve loans that our competitors can’t.
WE ARE THE EXPERTS
Our team has set the standard in the mortgage industry. We hire only the best in the business. Our knowledge and experience is unmatched. We continue to train and study new mortgage loan programs to make us the best choice for mortgage refinancing and home purchases, debt consolidation, Conventional, FHA, HARP, VA, and Jumbo Loans available.
BETTER HOME LOANS WITH LOWER MORTGAGE RATES
We provide you with several different mortgage loan options to ensure that you find the mortgage loan program that best fits your needs. Because of the volume of mortgage loans our team closes and the great relationships we have forged within our industry, we’re able to offer the most competitive mortgage interest rates to our clients.
