North Alabama Mortgage Loan Expert

Types of Loans

Navigating home financing can feel overwhelming, but I’m here to help you understand the different loan options available so you can make the best choice for your needs. I offer a wide range of home loan solutions, each tailored to meet specific financial situations and goals. With my expertise, I’ll guide you through the process and work with you to find the perfect loan that aligns with your lifestyle and future plans.

Mortgage Process

Conventional Loans

We offer conventional loans designed to help you achieve your homeownership goals with flexible terms and competitive rates. Our conventional loans are ideal for buyers with a strong credit history and stable income, providing a straightforward and accessible financing option without the need for government backing. Whether you're purchasing your first home, upgrading to a larger space, or refinancing an existing mortgage, our experienced team is here to guide you through the process.

FHA Loans

We offer FHA loans designed to make homeownership more accessible, especially for first-time homebuyers or those with less-than-perfect credit. FHA loans feature lower down payment requirements and more flexible credit qualifications, making them an excellent choice for a wide range of borrowers. With competitive interest rates and government-backed security, FHA loans provide a reliable path to purchasing your home. Our knowledgeable team will guide you through the FHA loan process, helping you find the best terms and ensuring a smooth journey from application to closing.

VA Loans

We proudly offer VA loans to help veterans, active-duty service members, and eligible spouses achieve the dream of homeownership. VA loans come with numerous benefits, including no down payment requirements, competitive interest rates, and no private mortgage insurance (PMI), making them one of the most affordable financing options available. Our experienced team is dedicated to guiding you through the VA loan process, ensuring that you maximize your benefits and secure a loan that suits your unique needs.

USDA Loans

We offer USDA loans designed to help families in rural and suburban areas achieve the dream of homeownership with ease. USDA loans provide 100% financing, meaning no down payment is required, making them an affordable option for those who qualify. These government-backed loans also come with competitive interest rates and lower mortgage insurance costs, making homeownership more attainable for moderate to low-income buyers. Whether you're purchasing your first home or looking to move to a more rural setting, we’re committed to helping you secure the best loan for your needs.

HARP Loans

We offer HARP (Home Affordable Refinance Program) loans to help homeowners refinance their mortgages, even if their home value has decreased. Designed for those who owe more than their home is worth or have little equity, HARP loans provide an opportunity to lower monthly payments, reduce interest rates, or switch to a more stable loan term. If you’re looking to refinance but have been turned down before, a HARP loan may be the solution you need to get back on track.

Reverse Mortgage

We offer Reverse Mortgage loans as a way for seniors to access the equity in their homes without selling or moving. Tailored for homeowners aged 62 and older, a Reverse Mortgage provides the flexibility to receive funds as a lump sum, monthly payments, or a line of credit, helping to supplement retirement income. With no monthly mortgage payments required, a Reverse Mortgage allows you to enjoy financial freedom while staying in the comfort of your home. Our team is here to guide you through the process, ensuring you understand the benefits and considerations of this unique loan option, so you can make an informed decision that supports your financial goals.

Construction Home Loan

We specialize in Construction Home Loans designed to bring your dream home to life from the ground up. Whether you’re building a custom home or renovating an existing property, our Construction Loans provide the flexible financing you need to cover the costs of construction. With competitive rates and tailored loan options, we make it easy to finance everything from land purchase to final touches. Our experienced team will guide you through each phase of the construction loan process, ensuring a smooth transition from blueprint to move-in.

Refinancing Your Mortgage: When and How

Refinancing your mortgage can be a smart financial move, but timing is everything. Whether you’re looking to reduce your monthly payments, shorten the term of your loan, or tap into home equity, understanding the right time and process to...

Top 5 Tips for First-Time Homebuyers

Buying your first home is an exciting milestone, but it can also feel overwhelming. With so many decisions to make, it's important to be well-prepared before diving into the real estate market. Whether you’re looking for your dream home or a...

Understanding the Home Loan Process

Navigating the home loan process can feel daunting, especially if you're a first-time homebuyer. With so many steps involved, it's crucial to understand how the process works to make informed decisions and secure the best mortgage for your...

Refinancing Your Mortgage: When and How

Top 5 Tips for First-Time Homebuyers

Understanding the Home Loan Process

Local Expertise	Personalized Service
Competitive Rates	Exceptional Support
Flexible Loan Options	Smooth & Easy Process

Home Purchase Loans Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.	Refinance Rates Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity!	Rate Comparisons I can help you find the best rates and terms available, ensuring you secure the most cost-effective financing for your loan.
Fast Funding Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever.	Property Evaluation With a property evaluation in hand, you’ll have better access to your options so you can see the next move.	Cash-Out Refinance Take advantage of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.

North Alabama's Trusted Mortgage Lender

Christopher Haney, North Alabama Mortgage Expert

What We Do.

Home Purchase Loans

Refinance Rates

Rate Comparisons

Fast Funding

Property Evaluation

Cash-Out Refinance

Types of Loans

Loan Comparisons