Discover why VA home mortgage loans are the top choice for Veterans and service members. In fact...they remain our top choice for loan offerings. We fund a bunch of VA/Service Member loans. With no money down, competitive rates, and unique refinancing benefits, we're here to help you achieve homeownership or leverage your home's equity. Our NAMB Certified VA Home Loan and Credit Specialists are dedicated to serving those who served our country.

VA Home Loans: Your Gateway to the best Purchase/Refinance Options in America 

Why Choose a VA Home Loan?

Since our first VA Loan in 1992, First Equity Home Loan Inc.  has been dedicated to serving our Veterans and active-duty service members with unmatched service that is with local Alabama Mortgage Professionals. 

 Here's why our customers prefer VA loans over conventional or FHA loans:

*No Down Payment: One of the most significant advantages of a VA loan is the option to purchase a home with 0% down payment, easing the financial burden of buying a home.

*Lower Interest Rates: VA loans generally offer lower interest rates compared to conventional loans, which means lower monthly payments and less interest paid over time.

*No Mortgage Insurance: Unlike FHA loans, VA loans do not require mortgage insurance, saving you thousands of dollars over the life of your loan.

*Lenient Credit Requirements: We understand the unique circumstances Veterans face, which is why VA loans have more flexible credit guidelines than conventional loans.

*Streamlined Refinancing: With options like the VA Interest Rate Reduction Refinance Loan (IRRRL), you can lower your rate without the hassle of extensive paperwork...provided the rate environment cooperates.

Maximizing Your Home Equity

If you've secured a mortgage with us when rates were in the 2-3% range, you might be wondering about the best way to access your home's equity without losing those low rates. Here’s how: HELOC/FIXED TERM 2ND MORTGAGE LENDING  may be beneficial until rates retreat again.

Equity Lending: Instead of refinancing your entire mortgage, you can take out a home equity loan or line of credit. This allows you to fund home improvements, consolidate bills, or manage other financial needs without altering your first mortgage's favorable rate.

High LTV Refinance: When necessary, VA loans offer high loan-to-value refinancing options, sometimes up to 100%, which can provide you with substantial cash-out for personal or home-related expenses.

Serving Veterans on the Move

Whether you're relocating within the state or moving from out of state, we're here to assist. Our team specializes in:

Purchase Money: Helping you secure your new home with ease, taking advantage of VA loan benefits.

Relocation Services: Understanding the nuances of moving, including job changes or military orders.

Why Choose Our Team?

NAMB Certified Specialists: Our team members are not only knowledgeable but also certified by the National Association of Mortgage Brokers (NAMB) as VA Home Loan and Credit Specialists.

Dedication to Veterans: We love serving our cherished Veterans and service members, offering personalized service that recognizes your service and sacrifices.

Call 256-New-Loan or 256-Refi-Pro for immediate service. You'll want to  Download our Mortgage App  to share with family and friends after you are so  excited about the service we've given you.