"Locally rooted, competitively driven, and here for your homeownership journey."
Building Futures, One Mortgage At a Time
Loan Options
First-Time Homebuyer Loans
We offer specialized loans and personalized guidance tailored specifically for first-time homebuyers, making it easier to step confidently into your first home. Our programs include options like low down payment loans, flexible credit requirements, and competitive rates, designed to remove common barriers to homeownership. We also provide step-by-step support, helping you navigate the process with confidence and clarity, from pre-approval to closing.
Refinancing Options
Refinancing your mortgage can be a powerful tool to improve your financial situation, and we’re here to make the process seamless and straightforward. At Down Home Mortgage Group, we offer refinancing options designed to help you lower your interest rate, reduce your monthly payments, shorten your loan term, or access your home’s equity. Our refinancing programs are tailored to fit your unique needs, whether you’re looking to consolidate debt, fund a major expense, or simply take advantage of better rates. With personalized guidance and competitive loan options, we’ll help you navigate every step of the refinancing journey — from evaluating your goals to closing on your new loan.
FHA and VA Loans
Take advantage of our government-backed FHA and VA loan programs, designed to make homeownership more accessible. FHA loans are ideal for first-time homebuyers or those with lower credit scores, offering down payments as low as 3.5%, flexible credit requirements, and competitive interest rates. These loans help make homeownership possible for buyers who might not qualify for traditional loans. VA loans are a benefit exclusively for veterans, active-duty service members, and eligible spouses, featuring no down payment, no private mortgage insurance (PMI), and favorable interest rates. They’re designed to honor your service by making the path to homeownership easier and more affordable.
Loan Options
USDA/Rural Development Loans
If you’re looking to buy a home in a rural or suburban area, USDA loans offer a fantastic opportunity with benefits designed to make homeownership more accessible. At Down Home Mortgage Group, we specialize in USDA loans, which feature zero down payment requirements, competitive interest rates, and flexible credit guidelines. These government-backed loans are perfect for eligible borrowers seeking affordable financing in designated rural areas. Our team is here to guide you through the qualification process, help you understand property eligibility, and provide step-by-step support from application to closing. Let us help you make your dream of owning a home in a rural community a reality!
Conventional Loans
Conventional loans offer flexibility and competitive terms, making them a great option for a wide range of homebuyers. Whether you're purchasing your first home, upgrading, or investing in real estate, conventional loans provide the opportunity to customize your financing to fit your needs. These loans typically feature lower rates for qualified borrowers, various down payment options, and terms ranging from 10 to 30 years. With straightforward requirements and fewer restrictions compared to government-backed loans, conventional financing is an excellent choice for those with solid credit and stable income. Explore the benefits of a conventional loan and take the next step toward achieving your homeownership goals.
DSCR (Investment) Loans
Debt-Service Coverage Ratio (DSCR) loans are designed specifically for real estate investors, offering a simplified financing solution that focuses on the income potential of the property rather than the borrower’s personal income. These loans are ideal for purchasing or refinancing investment properties such as single-family rentals, multifamily units, or commercial real estate. With DSCR loans, the qualification process is streamlined, using the property’s rental income to determine eligibility. This makes it easier for investors to grow their portfolio without the traditional hurdles of income verification. Flexible terms, competitive rates, and no limit on the number of properties owned make DSCR loans an excellent choice for both new and seasoned investors looking to maximize their opportunities.
Meet the Team
Dale Palmer
Branch Manager
Brandon Palmer
Sales Manager & Loan Officer
Hannah Simpson
Loan Officer
Justin Branscum
Loan Officer
Meet the Team
Jessica Stone
Business Development Manager & Loan Officer
Jorge Jauregui
Loan Officer
Faith Pate
Loan Officer
Whitney Siniard
Loan Officer
Meet the Team
The Taylor Team
Stephanie Taylor
Loan Officer
Susan Wallace
Branch Development Manager
Jeal Hill
Loan Officer Assistant
MEET THE TEAM
Wipa Garrard
Loan Officer
Chad Hewitt
Loan Officer
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Contact
- 3414 Governors Dr SW ste 210, Huntsville, AL, USA
- Mon-Fri - 08:30-16:30
