When you apply for a loan, check your credit to make sure you get the best interest rate possible.



Today's Rates

$100 Down: 5.5%
30 Year Fixed: 5%
15 Year Fixed: 4.5%
Jumbo 3 Year: 4.25%

We keep our mortgage application process simple, easy, and fast.  When you are ready to buy a home, we're here to help make it happen


Working to Make Your Dreams Come True

Birmingham Home Mortgage is a local mortgage company focused on helping you achieve your goals. Whether you want to Purchase a Home, Refinance your home, or get cash out through a Home Equity Loan, our qualified mortgage loan consultants help you qualify for the best home mortgage interest rates available so your dreams can come true.

Birmingham Mortgages - Making Your Dreams Come True

Birmingham Mortgages helps you get approved for the mortgage loan you need to purchase a new home, refinance your existing home mortgage, or get cash out through home equity loan.

Our qualified residential lending consultants can coach you through the process, help you determine what type of mortgage loan is appropriate for you, and help you qualify for the best home mortgage interest rates available so your dreams can come true.

In addition, Birmingham Mortgages website offers you tools and resources to help you get started, with a Credit Check program through our partner, MyFICO.com, with mortgages calculators to help you figure out the right scenario for you, and a secure online application where you can

Buying the Home of Your Dreams

Birmingham Mortgages will select a mortgage solution to meet your unique financial goals and designed to fit your current situation.

Get Pre-Approved

The best time to apply for a loan is BEFORE you start looking at homes. Walking through this process now will make it easier to select a home that fits your needs and financial ability. Many realtors and sellers will only work with buyers who are pre-approved. Being pre-approved can benefit you by giving you credibility when making an offer on a home.

Already found the home you want? Birmingham Mortgages will work hard to help you qualify for the financing you need to purchase the home of your dreams.

First Time Homebuyers

Did you know that first time homebuyers have access to special loan programs that help them qualify for a mortgage with a reasonable interest rate? FHA (Federal Housing Administration) offers loan guarantees to banks that give mortgages to first-time homebuyers. Birmingham Mortgages specializes in FHA loans and would welcome the opportunity to educate you on the FHA loan program and walk you through the FHA application process.

Refinance your Mortgage

Whether you currently have an adjustable rate mortgage which has an interest rate that is about to adjust up, or whether you simply have a higher interest rate than you would like to pay, Birmingham Mortgages can help you refinance your home with a low fixed rate mortgage

Cash Out Home Equity Loans

If you need to access some of the equity in your home, Birmingham Mortgages can help you locate a home equity loan or second mortgage that will free up the cash you need.

Mortgage Loan with Low/No Income?

Did you know that even with a job, retired or disabled individuals can qualify for a mortgage loan, even without a job? Birmingham Mortgages can help individuals find a mortgage loan who have the financial means to support a loan.

Homebuyer Tax Credit

Now is a great time for homebuyers to take advantage of market conditions and government tax rebates such as the Homebuyer Tax Credit to purchase more home than ever before.

Birmingham Home Mortgage - All About You!

Birmingham Home Mortgage guides you the mortgage application process with

  • Frequent Communication: We keep you in the loop
  • Diligent Research: we find the best solution for your needs.
  • Fast Approval: we work hard to achieve timely results
  • Creative Solutions: We work hard to identity programs for Low Credit & No Creditapplicants.