Alabama Mortgage Loans — Experience You Can Count On Since 1987

Home Purchase, Refinance & Home Equity Solutions

At First Equity Home Loan, Inc., we believe the right mortgage begins with understanding your goals, not simply quoting an interest rate. Since 1987, we've helped Alabama homebuyers and homeowners navigate mortgage financing with personal attention, experienced guidance, and solutions tailored to their individual needs.

Whether you're purchasing your first home, moving into your dream home, refinancing an existing mortgage, or investing in real estate, our team brings decades of lending experience to help you evaluate your options and make informed financial decisions.

More Mortgage Options. More Ways to Move Forward.

Every borrower has a different financial picture. That's why First Equity offers a wide range of mortgage programs, including Conventional, FHA, VA, USDA, Jumbo, and Down Payment Assistance loans. We help eligible buyers explore low- and zero-down-payment opportunities, while providing financing solutions for luxury homes, second homes, and investment properties.

Our experience extends beyond traditional mortgage lending. We work with self-employed borrowers, business owners, 1099 contractors, and real estate investors who may benefit from bank statement loans, asset-based qualification, DSCR financing, and other Non-QM mortgage programs.

Refinancing & Home Equity — Make Your Mortgage Work for You

Your home may be one of your most valuable financial assets. Whether your goal is lowering your monthly payment, consolidating higher-interest debt, accessing equity, or improving your overall financial position, we'll help you compare the available solutions.

Our refinancing options include conventional refinancing, FHA Streamline, VA Interest Rate Reduction Refinance Loans (IRRRL), cash-out refinancing, home equity lines of credit (HELOCs), and fixed-rate second mortgages.

Sometimes refinancing your existing first mortgage makes sense. Other times, keeping your current mortgage and adding a second loan may be the smarter choice. We help you understand the differences, including monthly payments, borrowing costs, and long-term financial impact.

Specialized Mortgage Financing for Unique Situations

Not every financial situation fits neatly into traditional lending guidelines. Our team understands the challenges facing borrowers with complex income, substantial assets, multiple properties, or unconventional employment histories.

From jumbo mortgages and self-employed financing to investment property loans and specialized qualification programs, we take the time to explore practical solutions rather than assuming one program fits everyone.

We're also proud of our experience serving military borrowers. First Equity has helped veterans with VA home financing since 1992, providing knowledgeable guidance on VA purchase loans, refinancing, and available benefits.

Alabama Roots. Personal Service. Decades of Experience.

Founded in Alabama in 1987, First Equity Home Loan, Inc. has built its business around relationships, mortgage expertise, and a commitment to helping customers make sound financing decisions.

We serve borrowers throughout Alabama, including Birmingham, Huntsville, Gadsden, Anniston, Cullman, the Gulf Coast, and communities across the state. We also provide mortgage financing in other states where licensed.

Our approach remains straightforward: listen carefully, understand your financial goals, explain your options, and help you move forward with confidence.

Explore Your Mortgage Possibilities

Whether you're ready to purchase, considering refinancing, or simply researching your options, First Equity provides mortgage calculators, rate information, and experienced professionals to help you take the next step.

First Equity Home Loan, Inc. — Serving Homebuyers and Homeowners Since 1987.

NMLS #204659

All loans are subject to applicable program guidelines, credit approval, underwriting, and property eligibility.