Home loans in Birmingham
Understanding your monthly payment is the first step. Use the calculator, then talk to a lender.
Conventional
The most common loan — 3% to 20% down, fixed or adjustable. Best for buyers with solid credit and a steady income.
FHA
Government-backed with as little as 3.5% down. More flexible credit requirements; mortgage insurance required.
VA
Zero down for eligible veterans, active-duty service members, and qualifying spouses. No PMI.
USDA
Zero down for eligible rural and suburban areas. Eligibility depends on the property location, and income limits apply.
Get pre-approved first
A pre-approval letter shows sellers you're serious and lets us write an offer the moment you find the right home. It's free, takes about 15 minutes, and doesn't commit you to a lender.
Questions about financing? Ask Tahira about next steps.
Disclaimer: New Image Realty LLC and Tahira Khadair are not mortgage lenders and do not provide loan estimates, rate locks, or credit decisions. The calculator on this page is for illustrative purposes only and is not a commitment to lend. Actual rates, fees, and eligibility depend on your credit, income, and the lender you choose. Consult a licensed mortgage professional for a loan estimate.