Mortgage Teams
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The Mike Carey Team
NMLS #384158
Alabama Home Mortgage Refinance
MORTGAGE & HOME LOAN REFINANCE
With a mortgage refinance you have the potential to lower your home loan’s interest rate and/or your monthly mortgage payment. Mike Carey & Alabama Loan Experts will pay off your current home mortgage and replace it with a new home loan. We can customize the term of your new home loan to fit your needs, 30-year and 15-year mortgages are most common. Homeowners call Alabama Loan Experts to ask about lowering their interest rate, lowering their monthly payment or cashing out their home’s equity.
Why should you refinance your home loan?
- Do you want to lower your mortgage interest rate?
- Would you like to shorten your home loan term?
- Do you want a lower monthly mortgage payment?
- Do you need to consolidate debt?
- Would you like to pull cash out from your home’s equity?
- Do you have a second mortgage that you’d like to combine with a first mortgage?
- Do you want to switch from an adjustable rate mortgage(ARM) to a fixed rate?
- Do you need to remove someone from your current home loan?
Complimentary mortgage analysis
Everyone with a mortgage can benefit from calling Alabama Loan Experts for a free mortgage analysis. In most cases, we can save Texas homeowners money, shorten their mortgage term, or help them cash out equity in their home. If there is something that can be done to improve your home loan, Alabama Loan Experts can close a new loan in as little as 14-days.
After we discuss your current mortgage situation, we will go over your short and long-term goals. From there, we will present you with the best available home loan options. Once you determine the best mortgage option for you and your family, we will set up an appointment to go over your new mortgage line by line. We can meet with you in our Alabama Loan Experts office or come directly to you. Our customer service has always set us apart from the competition.
No other mortgage lender will make the home loan process as easy as we will. Our team processes and underwrites all mortgage refinance loans in-house and get loans closed in as little as 14-days.
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.
