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That dream house? Let's make it happen.

We want to help you achieve your financial goals, and we’re also committed to your financial wellness. So, when it comes time to buy a home, you can count on us to give you the information, advice and our extra-mile effort to make homeownership possible and manageable for you.




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

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
  • Homeowner education and counseling
  • More flexible underwriting

Home Equity Line of Credit

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

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.
Jay Cook


Mortgage Production Manager
Toll-Free: 800-225-0110
NMLS 583338
melissa hill


Mortgage Loan Officer
Toll-Free: 800-225-0110
NMLS 1751463
shannon butson


Mortgage Loan Officer
Toll-Free: 800-225-0110
NMLS 442688
call center

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

Alabama ONE NMLS 401726

What’s Your ONE?

Want to Speak to an Expert?

Dive into an ultraconvenient experience with Penny, our AI-powered online chat service, that provides instant and accurate assistance around the clock, or connect with our team through Live Chat 7:30 AM to 6:00 PM, Mon-Fri for personalized support. Plus, we've extended our after-hours servicing for loans and new account assistance, now available from 5:00 PM to 10:00 PM, Mon-Fri, ensuring we're here for you whenever you need us.

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