Licensed in Alabama
Alabama is two housing markets wearing one name. Huntsville has been one of the fastest-growing metros in the country and prices like it; an hour in most directions, the same money buys twice the house and often qualifies for zero-down financing.
Working across Birmingham, Huntsville, Montgomery, Mobile, Tuscaloosa, Auburn and the rest of Alabama.
Redstone Arsenal and the contractor economy around it mean a large share of Huntsville buyers hold VA entitlement, and a large share of the rest hold security clearances and stable federal-adjacent income that underwrites cleanly. If you are relocating in on orders or a contract start date, the timing questions matter more than the rate quote — we can usually work backwards from your report date.
Outside the metro cores, Alabama is overwhelmingly USDA territory. That is one hundred percent financing on a thirty-year fixed for buyers who fit the income limits — and those limits are higher than most people guess, particularly for larger households. If you are shopping outside Birmingham, Huntsville, Montgomery or Mobile, check eligibility before anything else.
That is where most Alabama files land, not the limit of what we can do. We are brokers, so the lender list behind us is long and the product list behind that is longer. Call Tyler and describe the situation.
AHFA runs the Step Up program, which pairs a mortgage with down payment assistance repaid over ten years. It is originated only through AHFA-approved participating lenders — tell us your situation and we will be straight about whether that is a door we can open.
Tyler McCain, NMLS #173261, is licensed in Alabama and five other states. Two minutes, no credit pull, and you will know where you stand.
Also licensed in Tennessee, Texas, Ohio and Kentucky — and in Florida.
