Mortgages
With a conventional, fixed-rate mortgage, you get a low interest rate that’s locked in for the life of the loan.
- Primary, Second Homes or Investment
- Fixed and jumbo rate options
- Various terms available
- Up to 100% financing* with reduced PMI
- First-time home buyer program available
Refinance
- Primary, Second Homes or Investment
- Fixed and jumbo rate options
- Various terms available
- Up to 97% financing for limited cash out
- Up to 80% financing for cash out
First Time Homebuyer Program
Designed to help eager buyers get into their first home with no down-payment and competitive rates.
- Up to 100% financing*
- Reduced Private Mortgage Insurance (PMI)
- Flexible qualifying guidelines
- Gift funds allowed
- Homeownership education and counseling
Construction Loans
A construction loan is a short-term loan that covers only the costs of custom home building.
- Primary, Second Homes or Investment
- Fixed rate during construction phase
- Interest only payments during construction phase
HELOC (Home Equity Line of Credit)
Flexible access to the cash you need. And, you only pay interest on what you use.
- Primary, Second Homes or Investment
- Rate based off Prime Rate
- Term-20 year: 10 year draw period & 10 year repayment period
- Up to 100% financing* on primary residences
2nd Mortgage Loan
You can get cash to consolidate debt, finance home improvements, or make major purchases.
- Primary, Second Homes or Investment
- Fixed rate and fixed payment
- Various terms available
- Up to 100% financing*
Specialty Lending
- Barndominiums
- Tiny Homes
- Condos (Warrantable and Non-warrantable)
- Land Loans
Our Team
Josh Hinton
AVP, Mortgage Lending
joshhinton@alabamaone.org
(205) 562-2359
Toll-Free: 800-225-0110
NMLS 2705203
Jay Cook
Mortgage Production Manager
jaycook@alabamaone.org
(205) 247-4591
Toll-Free: 800-225-0110
NMLS 583338
Ginger Pennington
Mortgage Loan Officer
gingerpennington@alabamaone.org
(205) 247-4590
Toll-Free: 800-225-0110
NMLS 442688
Melissa Hill
Mortgage Loan Officer
melissahill@alabamaone.org
(205) 974-0635
Toll-Free: 800-225-0110
NMLS 1751463
Shannon Butson
Mortgage Loan Officer
shannonbutson@alabamaone.org
(205) 247-4590
Toll-Free: 800-225-0110
NMLS 442688
Ashley Owens
Mortgage Loan Officer
ashelyowens@alabamaone.org
(659) 207-6410
Toll-Free: 800-225-0110
NMLS 1588462
Mortgage Services
Toll-Free: 800-225-0110
Mortgage Services Fax:
(205) 750-2314
Alabama ONE NMLS 401726
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