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We offer a variety of fixed and adjustable-rate mortgages with extremely competitive rates. Let’s talk and find just the right mortgage to get you in the house of your dreams.

Some mortgage types require Pre-Purchase Counseling.

  • Fixed and variable-rate loans
  • Low closing costs and origination fees
  • Loans available for purchases, construction, property and refinance
  • Flexible terms 
  • Local servicing and mortgage payment acceptance

First Time Homebuyer Program

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Alabama ONE now offers Fannie Mae’s HomeReady first-time homebuyers mortgage, a program designed to help eager buyers get into their first home.

  • Competitive rates
  • Down payments as low as 3%
  • Gift funds allowed
  • Reduced Private Mortgage Insurance (PMI) coverage
  • Homeownership education and counseling
  • More flexible underwriting

Home Equity Line of Credit

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Put the equity in your house to work, whether you want to renovate your kitchen or add an extra bathroom. Our low rates make it all possible.

  • Accessible through digital banking

Home Equity Loan

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Another home equity borrowing option — in addition to a home equity line of credit — is a home equity loan. With this type of loan, you use the equity in your home as collateral, and you get a one-time, lump sum, a set interest rate and set monthly payments. It’s a great way to finance home improvements, major renovations or any large, one-time financial need.

  • Low closing costs
  • No annual fee
  • Accessible through digital banking

Education is Everything. Learn more about mortgages now.

Mindy Hill

mindy hill

Director of Mortgage

(659) 202-6725 Toll-Free: 800-225-0110
NMLS 1425133

Jay Cook

Jay Cook

Mortgage Production Manager

(205) 247-4591, Toll-Free: 800-225-0110
NMLS 583338



melissa hill

Mortgage Loan Officer

(205) 974-0635, Toll-Free: 800-225-0110
NMLS 1751463

DSC00289 - Preferred


Shannon Butson

Mortgage Loan Officer

(205) 666-5986, Toll-Free: 800-225-0110
NMLS 442688



Ginger Pennington

Mortgage Loan Officer

(205) 670-1258, Toll-Free: 800-225-0110
NMLS 382550

Mortgage Services Toll-Free: (800) 225-0110 ext. 1750
Mortgage Services Fax: (205) 750-2314

NMLS 401726

Mortgage Satisfaction Survey

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