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Best Mortgage Rates Alabama

VA HOME LOANS & MORTGAGES

Guaranteed by the U.S. Department of Veteran Affairs (VA), a VA Loan is a mortgage loan that is only issued by approved lenders, like Alabama Loan Experts, and then guaranteed through the VA. VA Loans enable veterans to purchase homes without requiring down payments or excellent credit scores. The Alabama VA loan program is more important than ever, as other lenders have tightened their lending requirements following the collapse of the national market in 2008. During that time, VA Loans became a critical lifeline for military homebuyers, many of whom were shut out of the buying process with insurmountable credit standards and lofty down payment requirements. Like any Alabama home loan today, VA Loans come with a significant amount of details and specific information that needs be to reviewed carefully. Here at Alabama Loan Experts, work hard to provide you with all the information and resources you need to file for a VA Loan.

MORE PERSONALIZED SERVICE FOR OUR VETERANS

Our team of Alabama VA Loan Specialists go out of their way to create a personalized VA home loan experience for our Alabama veterans. We will meet with you face to face, in your home, on base, at work, or wherever you like. It’s important for us to get to know you, so we can tailor your VA loan to your specific needs.

WE DO THE HEAVY LIFTING ON VA LOANS

Qualifying for a VA home loan requires several steps, starting with the VA’s Certificate of Eligibility. Through the Alabama Loan Experts VA loan program, our team lightens your load by helping with every step of the VA loan process. We start by getting your VA Loan Certificate of Eligibility and we do all the VA paperwork for you!

YOU SAVE TIME ON VA LOAN PAPERWORK

We are a direct-endorsed VA Home Loan Lender. That means much quicker turnaround times for you. While most lenders take up to 120 days to complete a VA loan, we can close in as little as 14 days. Imagine it: you in your new  Alabama home in just two weeks.

WE DO THE HEAVY LIFTING ON VA LOANS

We underwrite all our VA home loans in house. That means lower mortgage rates for you and no upfront or out of pocket costs—that includes the appraisal. When you work with The Mike Carey Team, there are never appraisal fees, or any other out of pocket costs.

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

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

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.

Mortgage In Alabama

The Home Loan Expert, LLC NMLS#1326241