Welcome to First Equity Home Loan Inc., where we've been turning dreams into reality since 1987. Whether you're envisioning a serene beachfront home in Gulf Shores, a luxurious condo in Orange Beach, or looking to invest in multi-family or commercial resort properties throughout Baldwin County, we're here to help you secure the best mortgage rates and terms.
where sugar-white sands, turquoise waves, and coastal charm define the good life. From Gulf Shores’ vibrant beachfront condos to Orange Beach’s luxurious waterfront estates, this stretch of Alabama’s Gulf Coast offers a housing market as diverse as its sunsets. Whether you’re dreaming of a cozy beach bungalow, a high-rise condo with panoramic views, or a sprawling coastal mansion, we’re here to unlock your perfect property—sophisticated financing included.
Baldwin County isn’t just about coastal allure; it’s a hidden gem for smart buyers. Did you know many areas here qualify for USDA loans? That’s right—zero-down financing isn’t just for rural farmland; it’s a coastal reality for places like Elberta or Summerdale, blending affordability with beachside living. Veterans and active-duty military can tap into VA loans, offering no down payment and competitive rates—ideal for a Gulf Shores retreat or a Fairhope family home. And for those chasing luxury, our expertise in high-balance conventional and jumbo loans (think $766,550 and up) ensures your million-dollar Orange Beach vision comes to life with terms that match your ambition.
We don’t stop there. FHA loans bring flexibility for first-timers eyeing a Foley condo, while conventional options suit the discerning buyer craving a custom Daphne estate. Our team thrives on high-balance loans—tailoring sophisticated solutions for Baldwin County’s priciest coastal gems. Why settle for ordinary financing? With us, you’re not just buying a home; you’re investing in a lifestyle—backed by Alabama’s sharpest mortgage minds.
Home values are climbing—Gulf Shores up 15% in recent years, Fairhope blending coastal charm with top schools. USDA and VA options stretch your dollar; high-balance loans elevate your dreams.
More on Gulf Shores City Schools, led by Rod's 1st cousin Superintendent Dr. Matt Akin, isn’t just educating—it’s elevating. Fresh off a 5A football state championship in 2023 (and a legacy of winning), the district’s Dolphins are champs on the field and pioneers in the classroom. Dr. Akin, who transformed Piedmont City Schools with cutting-edge tech—earning national nods like Apple Distinguished School status—brings that same vision here. Named “Best of Baldwin” School Administrator in 2025, he’s made Gulf Shores a magnet for families. Every student gets a MacBook or iPad, powering projects like electric car builds and music production in the Hangout Music Lab. It’s no wonder Gulf Shores was dubbed an Apple Distinguished School District in January 2025—only one of two in Alabama. Families relocating for coastal living stay for schools that prep kids for tomorrow, boosting home demand from Foley to Spanish Fort.
There's so much to be excited about in our coastal towns. We will gladly help you buy, refinance, or access your equity in Baldwin county starting now. Call us now 256-New-Loan or256-Refi-Pro
We’re not your average lender. From USDA’s rural-coastal twist to VA’s veteran perks and jumbo’s luxury lift, we craft financing as stunning as the coast itself!
Ready for your slice of Baldwin County paradise? Let’s match your coastal dream to the perfect loan—you perfect mortgage solution startshere.
Pay attention to different down payment requirements. We've found the estimated insurance and property taxes seem to be high for most Alabama counties.
* Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.
See All Mortgage CalculatorsWhy Choose Us?
Award-Winning Service: As an Alabama-based company, we've earned accolades for our customer service, loan volumes, ethics, and innovative mortgage solutions.
Our Offerings:
Luxury Beachfront Homes & Condos: Experience the luxury of waking up to ocean views. We specialize in financing for properties where lifestyle meets investment.
Explore Baldwin County:
Baldwin County is not just a place; it's a lifestyle. Explore the vibrant communities of Gulf Shores, Orange Beach, Daphne, Spanish Fort, Foley, Fairhope, and more:
Real Estate Market Insights: Dive into the latest Baldwin County realty trends with [Alabama Center for Real Estate]
Contact Us:
Ready to make your move? Whether you're buying your first beachfront property or adding to your investment portfolio, our team is just a call away. Just hit the apply button, Dial 256-NEW-LOAN for new loans, or 256-REFI-PRO for refinancing options. Let's build your future together in Baldwin County's paradise.
First Equity Home Loan Inc. - Your Alabama Coastal Property Financing Experts Since 1987.
Our local Alabama Mortgage Experts are Seasoned Pro's that thrive on provided Superior Service
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315 Broad Street
Gadsden, AL 35901
Phone: 256-NEW-LOAN
info@mtgquote.com