Mortgage Loans in Alabama
A small, licensed team that answers your texts. Shay Yates is licensed as a mortgage loan originator in Alabama, and we help Alabama buyers and homeowners from our Springfield, Missouri office.
Local feel, wherever you are in Alabama
Buying or refinancing in Alabama does not have to feel like dealing with a faceless lender. You will know who is working on your loan, you can reach us by text or by phone, and we explain each decision before you make it.
We are licensed to help borrowers across Alabama, including markets such as Birmingham, Huntsville, Mobile, and Montgomery. Property taxes, insurance, and closing practices can vary by state and county, so we explain what applies where you are buying. We do not guess at your numbers. Not every loan program is available in every area, and all loans are subject to credit and property approval.
Shay is the loan officer licensed in Alabama. Licensing for other team members varies by state, so please start with Shay.
Loans we offer in Alabama
Pick a path to learn more. We will help you find the one that fits.
Home Purchase Loans
Buying a home? We walk you from pre-approval to closing.
Learn moreRefinance
Look at changing your payment, your term, or your equity use.
Learn moreVA Loans
For eligible Veterans, active-duty service members, and surviving spouses.
Learn moreFirst-Time Home Buyers
Clear steps and honest answers for your first home.
Learn moreSelf-Employed Loans
Work for yourself? We help you understand your income and documents.
Learn moreAreas we serve in Alabama
We help buyers across Alabama. These are places we hear about often, and your search can start anywhere.
Huntsville
A tech, engineering, and aerospace hub anchored by Redstone Arsenal. The metro has been adding residents quickly, so new construction and fast-moving listings are both part of the picture.
Madison
Right next door to Huntsville and one of the faster growing cities in the state. Price points here tend to run higher than much of north Alabama, so it helps to run the numbers early.
Birmingham
The state's largest metro and its highest sales volume, with a wide spread of price points from historic in-town homes to newer subdivisions across Jefferson and Shelby counties.
Montgomery
The capital city and home to Maxwell Air Force Base, which means active duty, retired, and Veteran buyers are a regular part of the local market.
Daphne
On the Eastern Shore of Mobile Bay in Baldwin County, where growth has been steady and new homes keep going up. Coastal buyers should ask early about flood and wind insurance.
Coastal Mobile and Baldwin counties can bring flood and wind insurance questions that inland buyers do not face. Ask for insurance quotes before you fall in love with a house, not after.
First-time buyer help is available in Alabama through Alabama Housing Finance Authority. Program details and participating lenders are set by the agency, so ask us whether you may qualify.
Working with us from anywhere in Alabama
You do not need to drive to Missouri. Most of the process happens from your phone or your couch.
- Step 1
Text or call
Reach us at (417) 849-2430. A real member of our team answers and talks through your goals.
- Step 2
Apply online
Start a secure digital application from your phone or computer. No office visit needed.
- Step 3
Share documents
Upload what we ask for and track your file. We keep you updated at every step.
- Step 4
E-sign and close
Many documents can be signed electronically. Closing is arranged with a title or settlement company in your state.
Trusted Realtors in Alabama
Seats available for preferred agents in Alabama. Are you a local agent? Claim a seat and be listed here.
Disclosure. Realtors listed are independent professionals and are not affiliated with Southwest Funding or True North Yates Group. No fees are paid or received for referrals, and you are free to choose any real estate agent.
True North Yates Group is an Equal Housing Lender and supports fair housing. We do not steer anyone toward or away from any neighborhood, and agents are never listed or described based on who lives in a community. You choose where you live and who helps you buy.
Other states we serve
Ready to talk about a Alabama mortgage?
Text, call, or start your application online. We are here to help.
Or text us anytime: (417) 849-2430
Shay Yates, Loan Officer | NMLS #2172921 | Alabama license: 82980 | Sponsored by Southwest Funding, LP, NMLS #32139 | Branch NMLS #2424517. Verify at NMLS Consumer Access. Equal Housing Lender.