You might not realize just how much your property’s value has climbed in recent years. Across Alabama’s high-dollar markets, home appreciation has been impressive:

• Last 5 Years: According to regional real estate data, home values in Shelby County (including Vestavia Hills and Hoover) have appreciated by approximately 8-10% annually since 2020, outpacing many national averages. In Mountain Brook, the figure trends even higher, with some properties gaining 12% or more per year.
• Last 10 Years: Over the past decade, median home prices in these areas have risen by 60-80%, with Vestavia Hills seeing values jump from an average of $350,000 in 2015 to over $600,000 by 2025. In Hoover, homes that sold for $400,000 a decade ago now command upwards of $700,000, while Mountain Brook’s luxury market has pushed well into the multimillion-dollar range.

This growth means your home’s equity could be far greater than you think—unlocking opportunities to refinance, fund renovations, or secure a second mortgage. Our tailored Jumbo loan programs and flexible refinance options can help you leverage this wealth, whether you’re upsizing, consolidating debt, or investing in another property.

Jumbo loans are designed for properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac ($766,550 in most Alabama counties as of 2025, with higher limits in certain high-cost areas). Eligible properties include:

• Single-Family Homes: Luxury residences in Vestavia Hills, Hoover, and Mountain Brook often surpass these limits, making them perfect for Jumbo financing.
• Condos & Townhomes: High-end attached properties in Shelby County and Homewood qualify if they meet lender standards for value and location.
• Second Homes: Own a retreat in Madison or along Alabama’s Gulf Coast? Jumbo loans can finance these too, provided they meet equity and appraisal requirements.
• Investment Properties: Nonconforming loans can support income-producing real estate in Huntsville’s growing market, ideal for high-balance clients diversifying their portfolios.

• Purchase Power: Buying in Alabama’s elite neighborhoods? Our Jumbo loans offer competitive rates and flexible terms to secure your dream home.
• Refinance Opportunities: With home values skyrocketing, refinancing with a Jumbo loan can lower your rate, shorten your term, or cash out equity for other goals.
• Second Mortgage Solutions: Need additional funds? Our fixed-term second mortgages provide predictable payments, while our HELOCs offer revolving credit—perfect for renovations, education costs, or investment opportunities in these booming markets.

Don’t let your home’s untapped value sit dormant. Whether you’re in Vestavia Hills, Hoover, Shelby County, on the Gulf of America, a lakefront estate, or another high-dollar Alabama community, our team at First Equity Home Loan Inc. is here to craft a lending solution that matches your ambitions. Contact us today to explore how our Jumbo loans, refinances, and second mortgage programs can turn your property’s appreciation into real financial power.