The Mortgage Refinance For First Responders in Alabama

First Responders, including firefighters, police officers, EMTs and nurses, put their lives on the line every day on the front lines, in all types of environments. They work in rain and snow, and blistering heat. They provide help to people in natural disasters. They are the people that you want to show up in an emergency to help, so we wanted to help them back with the best mortgage refinance for first responders in Alabama.

 

Our program offers a mortgage refinance for any first responder or healthcare worker in Alabama that qualifies, with the added bonus of a free appraisal, a free loan check-up, and a donation to a first-responder related charity.

 

We love our first responders and health care workers, and have worked to give back to them in as many ways as possible, from donating to first-responder charities to sending them lunch during the current COVID-19 pandemic, where they are even more important than ever.

 

These heroes have stood in the face of this disease, as well as an untold amount of emergencies, and helped strangers.

 

A free appraisal is just that for first responders – we pay for the appraisal on their home! Depending on the loan program, this can save borrowers anywhere from $400 to $4500! The appraisal is the step in the mortgage refinance for first responders in Alabama where the home’s value is assessed for the purposes of the new mortgage.

 

We will also work up all of the loan options for a mortgage refinance for first responders in Alabama for free. We’ll let you know how much you can save, how much you can take out, or how far you can shorten your mortgage.

 

This program works across multiple loan platforms. If you want to take cash-out to put in a pool or make repairs on the home, you can qualify. If you want to shorten the length of your loan, use the first responder program. If you just want to reduce your monthly payment, that’s a great way to utilize the mortgage refinance for first responders program in Alabama.

 

So if you are a first responder looking for a mortgage refinance in Alabama, use the one that is designed to help you.

 

Call the best mortgage lender in Alabama, Mike Carey’s Alabama Loan Experts Team in Gulf Shores (901) 619-3665 or visit AlabamaLoanExperts.com to apply now. Alabama Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Alabama Loan Experts.

Mike Carey

Mike Carey

As a mortgage professional with over twenty years experience, I understand the lending guidelines and keep up with the constant change in the industry. In my 20+ years of mortgage lending, I have helped thousands of buyers throughout the country. My specialties include all areas of lending from first time home buyers to seasoned buyers.

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Alabama Mortgage Lender

Best Mortgage Rate Alabama









Alabama Home Loans & Mortgages

Best Home Mortgage Options For Ideal Borrower Situations

Pay Off High Interest Debt and Cash-out Equity In Your Home

Flexible Home Mortgage Guidelines With Attractive Rates

Refinance Your Current Home Mortgage Without An Appraisal

Higher-Dollar Home Loans From A Trusted Mortgage Lender

No Down Payment VA Home Loan For Military Veterans & Active Duty

Home Mortgage For Business Owners & Self-Employed

Get a 5-min Home Loan Approval & Close Your Mortgage in 14-days!

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

Buying a Home in the Spring? Get Pre-Approved NOW

Buying a Home in the Spring? Get Pre-Approved NOW

Buying a Home in the Spring? Get Pre-Approved NOW

Before buying a home this spring, getting a mortgage pre-approval should be your first step.  It takes 5 minutes and lets you know exactly how much house you can afford.

 

With so many other buyers in the market expected this spring, you need any advantage that you can get, and a mortgage pre-approval is like a golden ticket in the housing market.

 

Getting Your Mortgage Pre-Approval

 

The mortgage pre-approval process is very smooth through our 5-Minute Loan Approval process.  Your information is taken in through either our app, the website, in-person on over the phone.  We then determine what the mortgage pre-approval number should be.

 

Remember, a pre-approval isn’t a contract.  It’s a number showing how much you can borrow, found by going through your financial picture, step-by-step, and finding out what you can afford. 

 

It’s not a final agreement, though.  When we have completed the mortgage pre-approval, we will use the information that we have gathered to find the loan amount that works best for your situation.

 

Finding the right mortgage amount, after the pre-approval, is a balance of what you want, what you can afford, and what your credit report tells us.

 

Keep in Mind

 

Your pre-approval is just the very first step in the home loan process, so you have to make sure to keep all of your other paperwork together and available for when you’re ready to buy.

 

Being prepared will speed up the process immeasurably, so we’re not waiting on paperwork to finish.  We can close for a prepared buyer in two weeks.

 

We will need to see: proof of income, tax returns, income from alimony or child support and even divorce papers. Your credit history will be pulled also to help us understand your payment history, and the risk factor in lending you a giant sum of money.

 

Why Should You Get Pre-Approved

 

It lets you know what to expect. While it may not be the exact amount that you ultimately are approved for, it will be very close, depending on how your paperwork shakes out.

 

Knowing what to expect gives you a leg up on all of the other buyers looking to buy a home in this market, where there is limited inventory and very low rates.

 

Call the best mortgage lender in Alabama, Mike Carey’s Alabama Loan Experts Team in Gulf Shores (901) 619-3665 or visit AlabamaLoanExperts.com to apply now. Alabama Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Alabama Loan Experts.

Mike Carey

Mike Carey

As a mortgage professional with over twenty years experience, I understand the lending guidelines and keep up with the constant change in the industry. In my 20+ years of mortgage lending, I have helped thousands of buyers throughout the country. My specialties include all areas of lending from first time home buyers to seasoned buyers.

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Alabama Mortgage Lender

Best Mortgage Rate Alabama









Alabama Home Loans & Mortgages

Best Home Mortgage Options For Ideal Borrower Situations

Pay Off High Interest Debt and Cash-out Equity In Your Home

Flexible Home Mortgage Guidelines With Attractive Rates

Refinance Your Current Home Mortgage Without An Appraisal

Higher-Dollar Home Loans From A Trusted Mortgage Lender

No Down Payment VA Home Loan For Military Veterans & Active Duty

Home Mortgage For Business Owners & Self-Employed

Get a 5-min Home Loan Approval & Close Your Mortgage in 14-days!

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

The Teacher Appreciation Program Loan

Teachers have one of the most important jobs imaginable, and also one of the toughest.  They work to help educate the youth of America with shrinking resources and have to do more with less every year.  Teachers are often forced to buy supplies for their classrooms out of their own pockets.  That’s where the idea for the Teacher Appreciation Program Loan came from.

 

The Teacher Appreciation Program Loan, or TAP loan, is one of our newest and most exciting products.  Any educator that closes a loan with us will get a $500 Target gift card to help them with those school supplies and help them teach the children with every available tool.

 

Helping teachers falls right in line with our other programs, including Hero.Loan for VA Loans, The Bank Statement Mortgage for the self-employed, and the First Responders Loan.  We want to help the people that help us, and the people that need loan programs built for them.

 

The TAP Loan helps us give back to the teachers that raised us.  This loan works on every loan type, including Conventional, FHA, VA, USDA, new construction, cash-out refinances, down payment assistance, and Bank Statement Mortgages.  We are a direct mortgage lender, and as such have low rates and fast closing times. 

 

Being able to give teachers a great rate, fast closing times, customer service that no one else can match, and a bonus to help students is a no-brainer. We are proud to work with educators to get them the best mortgage that works for them.

 

Call the best mortgage lender in Alabama, Mike Carey’s Alabama Loan Experts Team in Gulf Shores (901) 619-3665 or visit AlabamaLoanExperts.com to apply now. Alabama Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Alabama Loan Experts.

Mike Carey

Mike Carey

As a mortgage professional with over twenty years experience, I understand the lending guidelines and keep up with the constant change in the industry. In my 20+ years of mortgage lending, I have helped thousands of buyers throughout the country. My specialties include all areas of lending from first time home buyers to seasoned buyers.

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Alabama Mortgage Lender

Best Mortgage Rate Alabama









Alabama Home Loans & Mortgages

Best Home Mortgage Options For Ideal Borrower Situations

Pay Off High Interest Debt and Cash-out Equity In Your Home

Flexible Home Mortgage Guidelines With Attractive Rates

Refinance Your Current Home Mortgage Without An Appraisal

Higher-Dollar Home Loans From A Trusted Mortgage Lender

No Down Payment VA Home Loan For Military Veterans & Active Duty

Home Mortgage For Business Owners & Self-Employed

Get a 5-min Home Loan Approval & Close Your Mortgage in 14-days!

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

Get Every Military Member a VA Loan in 2020

With a new year come new challenges and opportunities.  This year, we want to get every military member, including veterans, active service members, and their families, a VA Loan. We want to help them buy the home of their dreams, or refinance to the best rate available this year.

 

With over 20 million veterans and 1.3 million active duty military members, there are a lot of people out there that have not taken advantage of the benefits of the VA Loan program.  That’s where Hero.Loan wants to step in.

 

The Hero.Loan program enhances that already impressive VA Loan program.  There are several huge advantages to getting a VA Loan through Hero.Loan. 

 

Free Appraisal

We will pay for the appraisal on every VA Loan.  This is a big savings for home purchasers, and lets us show our commitment to the men and women of the armed forces.

 

14 Day Closings

We can close your VA Loan in as little as 14 days.  Where other banks and mortgage companies will tell you that VA Loans are too hard to close, we are delegated at the highest level by the VA to make our own decisions on VA Loans, so we can process and close them more quickly than most other banks and mortgage companies.  This keeps military buyers from losing out on their dream home, and lets them use one of the best benefits of service.

 

Lower Rates

 VA Loans are typically a point lower than other loan programs.  This keeps monthly payments lower and allows veterans and active military members to buy more house for the same monthly payment.

 

No PMI

As VA Loans are backed by the government, there is no need to include PMI in the loan.  This is a savings that really adds up.

 

100% Financing

VA Loans have 100% financing, which means that borrowers can take out a loan with no money down, and can borrow up to the entire value of their home on a refinance.

 

The VA Loan is one of the best benefits of military service.  Don’t let any lender deny you the benefits that you have earned through your service. 

 

Call the best mortgage lender in Alabama, Mike Carey’s Alabama Loan Experts Team in Gulf Shores (901) 619-3665 or visit AlabamaLoanExperts.com to apply now. Alabama Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Alabama Loan Experts.

Mike Carey

Mike Carey

As a mortgage professional with over twenty years experience, I understand the lending guidelines and keep up with the constant change in the industry. In my 20+ years of mortgage lending, I have helped thousands of buyers throughout the country. My specialties include all areas of lending from first time home buyers to seasoned buyers.

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Alabama Mortgage Lender

Best Mortgage Rate Alabama









Alabama Home Loans & Mortgages

Best Home Mortgage Options For Ideal Borrower Situations

Pay Off High Interest Debt and Cash-out Equity In Your Home

Flexible Home Mortgage Guidelines With Attractive Rates

Refinance Your Current Home Mortgage Without An Appraisal

Higher-Dollar Home Loans From A Trusted Mortgage Lender

No Down Payment VA Home Loan For Military Veterans & Active Duty

Home Mortgage For Business Owners & Self-Employed

Get a 5-min Home Loan Approval & Close Your Mortgage in 14-days!

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

The First Responders Loan

After the massive success of our Teacher Appreciation Loan, we have decided to spotlight another group that deserves to be rewarded with the First Responders Loan!  These people do so much for our communities and don’t get nearly enough credit for their work, so we wanted to give something back.

 

The First Responders Loan offers 3 benefits to these heroes.

 

We will pay for all first responders’ appraisals.  Every one.  Just like our Hero Loan program where we pay for all of the appraisals for active servicemembers, veterans and their families that use the program. 

 

We also will donate to a first responder charity for every loan that closes with a first responder.  We want to make sure that first responders know that we are with them, and what better way to prove it than by donating to the charities that support them?

 

The third benefit is a free loan checkup.  We will take your current loan and help you determine how much you could save with a refinance.  This service has saved thousands of dollars for our borrowers over the years, and we are bringing it to first responders free of charge. 

 

First responders risk their lives to save people every day.  They deserve to have a safe place to come home to.  The First Responders Loan gives them an opportunity to buy a home or refinance to a better rate, save on costs, and help out their fellow first responders.

 

Call the best mortgage lender in Alabama, Mike Carey’s Alabama Loan Experts Team in Gulf Shores (901) 619-3665 or visit AlabamaLoanExperts.com to apply now. Alabama Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Alabama Loan Experts.

Mike Carey

Mike Carey

As a mortgage professional with over twenty years experience, I understand the lending guidelines and keep up with the constant change in the industry. In my 20+ years of mortgage lending, I have helped thousands of buyers throughout the country. My specialties include all areas of lending from first time home buyers to seasoned buyers.

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Alabama Mortgage Lender

Best Mortgage Rate Alabama









Alabama Home Loans & Mortgages

Best Home Mortgage Options For Ideal Borrower Situations

Pay Off High Interest Debt and Cash-out Equity In Your Home

Flexible Home Mortgage Guidelines With Attractive Rates

Refinance Your Current Home Mortgage Without An Appraisal

Higher-Dollar Home Loans From A Trusted Mortgage Lender

No Down Payment VA Home Loan For Military Veterans & Active Duty

Home Mortgage For Business Owners & Self-Employed

Get a 5-min Home Loan Approval & Close Your Mortgage in 14-days!

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

Cash-Out Refinance – Pay Off Holiday Bills

Cash-Out Refinance – Pay Off Holiday Bills

Cash-Out Refinance – Pay Off Holiday Bills

 It’s that time of year again.  The holiday bills are starting to sink in and you are DREADING the credit card statements arriving in the mail.  It’s time to pay the bills for an extravagant holiday season and you’re stuck with a big one.  A Cash-Out Refinance is your way out.

 

A Cash-Out Refinance can help you get away from those high-interest credit card bills once and for all, and let you pay off the balance at a much lower rate.  A Cash-Out Refinance will consolidate your debts using the equity in your home. Thanks to home values being so high and interest rates so low, you can use this opportunity to get out from under the thumb of the credit card companies.

 

A Cash-Out Refinance works by taking the equity in your home and letting you borrow against it.  For example: if your home is worth $300,000 and you owe $150,000 still, you have $150,000 in equity, equaling 50% of the home’s full value. 

 

You want to try to keep 20% at least in the house after the refinance, so that leaves you with $90,000 that you can borrow.

 

You would then take out a loan for $240,000 (the $150,000 that you owe, plus the $90,000 you are borrowing) and get a $90,000 dollar check at the closing.

 

Since rates are low, this is a very effective way to clear up high-interest debt with lower payments.

 

Don’t let this opportunity pass you by!  It’s vital that you take this chance to get yourself back to zero on credit card debt, because interest rates are volatile and can change with the market.  Stop paying credit card companies this year and give yourself a raise with a Cash-Out Refinance.

 

Call the best mortgage lender in Alabama, Mike Carey’s Alabama Loan Experts Team in Gulf Shores (901) 619-3665 or visit AlabamaLoanExperts.com to apply now. Alabama Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Alabama Loan Experts.

Mike Carey

Mike Carey

As a mortgage professional with over twenty years experience, I understand the lending guidelines and keep up with the constant change in the industry. In my 20+ years of mortgage lending, I have helped thousands of buyers throughout the country. My specialties include all areas of lending from first time home buyers to seasoned buyers.

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Alabama Mortgage Lender

Best Mortgage Rate Alabama









Alabama Home Loans & Mortgages

Best Home Mortgage Options For Ideal Borrower Situations

Pay Off High Interest Debt and Cash-out Equity In Your Home

Flexible Home Mortgage Guidelines With Attractive Rates

Refinance Your Current Home Mortgage Without An Appraisal

Higher-Dollar Home Loans From A Trusted Mortgage Lender

No Down Payment VA Home Loan For Military Veterans & Active Duty

Home Mortgage For Business Owners & Self-Employed

Get a 5-min Home Loan Approval & Close Your Mortgage in 14-days!

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

How to Get a Mortgage in 2020

It’s the question everyone wants the answer to – how do I get a mortgage in 2020?  Well, luckily for everyone, it’s never been easier to get a refinance or mortgage for a new home purchase than it is right now.

 

Getting a mortgage has become a fairly rapid process in the last year, especially due to advances like our 5 Minute Loan Approval.  You can apply online, deliver docs online, and complete the process without ever talking to a person if that’s your choice.  Of course, we still offer our amazing customer service and will come to meet you wherever you choose to discuss your options!

 

However, mortgage rules still apply.  You still have to have good credit and a solid debt-to-income ratio.  You still have to be able to put some money down unless you are getting a VA or USDA loan.  We still have to go over your credit history to make sure that you can pay off the loan we’re giving you.

 

So if you want to get a mortgage loan in 2020, you’d better make sure that your credit score is high and your debt-to-income ratio is low.

 

Improving your credit score:

There isn’t a magic trick to improving your credit score, unfortunately.  The only way to do it is to work hard and pay your bills on time.  Missing and late payments on anything from your credit cards to utility bills just kill your credit score.  If you want to buy a house or refinance to today’s low rates, getting your credit score in order is the absolute best first step. 

 

You can order a credit report from the big 3 (Equifax, TransUnion and Experian) to check them and make sure that there aren’t any erroneous claims on your record.  Many people have found false or incorrect information in their credit reports that can lower their credit score and keep them from buying a home or car.

 

 Lowering Your Debt to Income Ratio:

This is just like it sounds.  Your debt-to-income ratio (DTI) is literally what you owe vs what you make.  If you have $2000 of bills due per month and make $6000, your debt-to-income ratio comes out to 33%.  Keeping this ratio under the magic number of 43% is the goal when it comes to mortgages.

 

The best way to do this is to pay off your outstanding debt.  If you are planning on buying a car, put it off until after the mortgage.  Pay off your credit cards.  Finish off your student loans.  Do anything you can to lower your DTI before applying and it will help you not only get the loan you are asking for, but to get you a lower interest rate when you do.

 

Call the best mortgage lender in Alabama, Mike Carey’s Alabama Loan Experts Team in Gulf Shores (901) 619-3665 or visit AlabamaLoanExperts.com to apply now. Alabama Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Alabama Loan Experts.

Mike Carey

Mike Carey

As a mortgage professional with over twenty years experience, I understand the lending guidelines and keep up with the constant change in the industry. In my 20+ years of mortgage lending, I have helped thousands of buyers throughout the country. My specialties include all areas of lending from first time home buyers to seasoned buyers.

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Alabama Mortgage Lender

Best Mortgage Rate Alabama









Alabama Home Loans & Mortgages

Best Home Mortgage Options For Ideal Borrower Situations

Pay Off High Interest Debt and Cash-out Equity In Your Home

Flexible Home Mortgage Guidelines With Attractive Rates

Refinance Your Current Home Mortgage Without An Appraisal

Higher-Dollar Home Loans From A Trusted Mortgage Lender

No Down Payment VA Home Loan For Military Veterans & Active Duty

Home Mortgage For Business Owners & Self-Employed

Get a 5-min Home Loan Approval & Close Your Mortgage in 14-days!

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

New Year New Mortgage

With 2020 coming next week, it’s a great time to examine your living situation.  Are you paying too much for rent?  Do you have a lot of equity in your home?  Are you sitting on a ton of high-interest debt, from credit cards or student loans?  A new home mortgage loan can solve a lot of these problems for you!

 

With mortgage interest rates near historic lows, there has never been a better time to purchase or refinance a home.  You are almost certain to save money and build wealth by getting the best loan you can right now.

 

Buying a home is the American dream, and it’s rarely been more affordable than it is right now.  With programs like the FHA Loan, VA Loan, and USDA Loan, most homebuyers who didn’t think they would be able to purchase a home have access to the market now.

 

FHA loans offer everyone a chance to buy a home with only 3.5% down.  For those that can’t save up a 20% down payment, this can help them buy that first house and start to build equity.

 

USDA and VA Loans allow qualified applicants to purchase homes with zero money down.  If you qualify for either of those loans, it’s likely the best loan for you to use.

 

If you already own a home, you can use the equity in the house for a cash-out refinance, taking the equity that you have built and using it to pay off credit cards or other high-interest debts.  Folding these debts into a lower-interest home loan makes paying them off easier and eases the stress of making multiple payments to different places.

 

In 2020, there are a lot of different ways for you to change your life with a mortgage.  All you have to do is apply with our 5-minute mortgage loan approval.

 

Call the best mortgage lender in Alabama, Mike Carey’s Alabama Loan Experts Team in Gulf Shores (901) 619-3665 or visit AlabamaLoanExperts.com to apply now. Alabama Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Alabama Loan Experts.

Mike Carey

Mike Carey

As a mortgage professional with over twenty years experience, I understand the lending guidelines and keep up with the constant change in the industry. In my 20+ years of mortgage lending, I have helped thousands of buyers throughout the country. My specialties include all areas of lending from first time home buyers to seasoned buyers.

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Alabama Mortgage Lender

Best Mortgage Rate Alabama









Alabama Home Loans & Mortgages

Best Home Mortgage Options For Ideal Borrower Situations

Pay Off High Interest Debt and Cash-out Equity In Your Home

Flexible Home Mortgage Guidelines With Attractive Rates

Refinance Your Current Home Mortgage Without An Appraisal

Higher-Dollar Home Loans From A Trusted Mortgage Lender

No Down Payment VA Home Loan For Military Veterans & Active Duty

Home Mortgage For Business Owners & Self-Employed

Get a 5-min Home Loan Approval & Close Your Mortgage in 14-days!

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

Cash-Out Refinance Get Rid of Credit Card Debt For 2020

Cash-Out Refinance Get Rid of Credit Card Debt For 2020

Get Rid of Credit Card Debt For 2020

Consumer debt – auto loans, student loans, and credit card debt – keeps rising, and doesn’t show any signs of stopping.  In September of 2019, Nerdwallet reported that credit card balances, or the amount carried month-to-month on balances, rose to $443.96 billion.  Americans are swimming in debt right now, and it’s not getting better as wages struggle to keep up with inflation.

 

It’s time to do something about it, and if you’re a homeowner in credit card debt, we may have the solution for you.

 

A Cash-Out Refinance can give you the financial flexibility to do a lot of things.  You can pay off your credit card debts. Home additions and repairs are a great use of your equity.  Or you can just put the money in your pocket and have a little cash on hand for a rainy day.

 

With the average household owing $6,849 in credit card debt, a Cash-Out Refinance is a debt relief that has an immediate effect on the quality of life.  Imagine not getting the bills in the mail, or the harassing phone calls from credit card companies.  Sleep better knowing that you’re not paying 27% interest on your credit card bills.  Get out there and enjoy your life knowing that you don’t pay an average of $1,162 every year just in interest. 

 

10% of all Americans that have credit card debt say that they will be paying this off for more than 10 years, and another 9% say that they will NEVER be done paying it. 

 

Think about that, and get started on your Cash-Out Refinance today.

 

Call the best mortgage lender in Alabama, Mike Carey’s Alabama Loan Experts Team in Gulf Shores (901) 619-3665 or visit AlabamaLoanExperts.com to apply now. Alabama Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Alabama Loan Experts.

Mike Carey

Mike Carey

As a mortgage professional with over twenty years experience, I understand the lending guidelines and keep up with the constant change in the industry. In my 20+ years of mortgage lending, I have helped thousands of buyers throughout the country. My specialties include all areas of lending from first time home buyers to seasoned buyers.

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Alabama Mortgage Lender

Best Mortgage Rate Alabama









Alabama Home Loans & Mortgages

Best Home Mortgage Options For Ideal Borrower Situations

Pay Off High Interest Debt and Cash-out Equity In Your Home

Flexible Home Mortgage Guidelines With Attractive Rates

Refinance Your Current Home Mortgage Without An Appraisal

Higher-Dollar Home Loans From A Trusted Mortgage Lender

No Down Payment VA Home Loan For Military Veterans & Active Duty

Home Mortgage For Business Owners & Self-Employed

Get a 5-min Home Loan Approval & Close Your Mortgage in 14-days!

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

Refinance and Skip 2 Months of Mortgage Payments

Refinance and Skip 2 Months of Mortgage Payments

Refinance and Skip 2 Months of Mortgage Payments

The holidays are a crazy time for everyone.  It seems like Halloween ends and suddenly, it’s Christmas music in every store, you’ve eaten turkey and watched football with your family for Thanksgiving, and you need to get all of your shopping done for the holidays, like, RIGHT NOW.  Well, if you’re strapped for cash, a refinance may be the savior for your season.

 

You see, with any refinance or new home purchase, you can skip the next 2 months of mortgage payments.  That’s right, 2 full months off from making any payments on your mortgage.  Imagine all of the money that you can save, and what you can do with it!

 

You can take your savings and pay off your holiday debt.  You can unwind from the stress of the season with a trip.  Put the money towards repairs after your in-laws trashed your house during dinner. 

 

Whatever you want to do with your 2 months of mortgage-free life, it’s up to you.

 

A refinance can also put money in your pocket.  A Cash Out Refinance is a great way to make home repairs, pay off credit card debt, or pad your bottom line after the holidays, when lots of people are starting to see the bills come due for an extravagant season.

 

A Rate and Term Refinance can also help.  You can reduce the amount of years on your loan and go to a lower rate, saving you money on interest and potentially lowering your monthly payment!

 

A refinance when rates are near all-time lows like right now just makes sense financially for so many people.  Your home has gained more value in the past 10 years than ever before, and you’ll be shocked at how much it’s actually worth.

 

If you are ready for a refinance, call the best mortgage lender in Alabama, Mike Carey’s Alabama Loan Experts Team in Gulf Shores (901) 619-3665 or visit AlabamaLoanExperts.com to apply now. Alabama Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Alabama Loan Experts.

Mike Carey

Mike Carey

As a mortgage professional with over twenty years experience, I understand the lending guidelines and keep up with the constant change in the industry. In my 20+ years of mortgage lending, I have helped thousands of buyers throughout the country. My specialties include all areas of lending from first time home buyers to seasoned buyers.

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

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Higher-Dollar Home Loans From A Trusted Mortgage Lender

No Down Payment VA Home Loan For Military Veterans & Active Duty

Home Mortgage For Business Owners & Self-Employed

Get a 5-min Home Loan Approval & Close Your Mortgage in 14-days!

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