where Alabama’s vibrant markets meet sophisticated financing. From our historic 1887 headquarters in Gadsden—nestled along the Coosa River—we’ve grown into a trusted name for discerning borrowers across the state and beyond. Whether you’re chasing the tech-driven boom in Huntsville, the upscale energy of Birmingham’s leading towns like Mountain Brook or Vestavia Hills, or the serene allure of Gulf Coast retreats and riverfront escapes along the Tennessee River and Cherokee County lakes, we’re here to make your vision a reality. 

Think pristine beaches from Gulf Shores to Orange Beach, tranquil lakefronts near Weiss Lake, or the rolling foothills of the Tennessee River valley where they meet the waters edge in many towns across our wonderful state... It’s no wonder sophisticated buyers from out of state are snapping up vacation homes here, drawn by our Southern elegance and affordability. Retiring to Alabama? You’re not alone. With booming markets, top-tier golf communities, and a cost of living that stretches your dollar, our state’s become a magnet for those seeking a refined yet relaxed next chapter—whether relocating from New York, California, or anywhere in between.

blending cutting-edge technology with a deep understanding of Alabama’s diverse landscapes. Our team crafts tailored mortgage solutions for Huntsville’s aerospace professionals, Birmingham’s executive set, and Gulf Coast investors eyeing second homes. Dreaming of a lake house near Centre/Leesburg/Guntersville/Any Alabama river town...or a condo in Fairhope? We’ve got Jumbo loans, VA options, and HELOCs to unlock Alabama’s rising equity—up 60-80% in a decade across our hottest markets. Retirees love our simplicity; vacation/second home buyerstrust our speed.

We’re Alabama born and bred, not some out-of-state call center. Our certified specialists—credit experts and Veteran’s Lending pros—deliver personalized service that big lenders can’t match. From Gadsden’s riverfront to Mobile’s bay, we keep lending local, supporting our state’s economy while helping you settle into its best corners. Ready to buy, refinance, or retire in Alabama? Let "Award Winning Lender" First Equity Home Loan guide you home—where sophistication meets the Southern soul

Why are we better for buying, refinancing, or tapping equity in Alabama? It’s personal—we’ve got you covered from Huntsville’s skyline to Gulf Shores’ sands. For purchases, our 100% VA financing simplifies life for veterans, while USDA loans open doors in our vast rural communities like Cherokee County or Centre. Refinancing? We turn Birmingham’s booming equity into cash-out wins. Equity solutions? From condos in Mobile to townhouses in Hoover, our HELOCs and second mortgages beat the big guys’ rates hands-down. Out-of-state lenders don’t get *our* Alabama—you do, and we’re here to make it happen. Take two minutes to start—your dream home, lower payment, or equity cash is a click away!   Apply Now