Home loans in Birmingham
Understanding your monthly payment is the first step. Use the calculator, then talk to a lender — we can recommend several we trust.
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. We can recommend VA-experienced lenders.
USDA
Zero down for eligible rural and suburban areas (parts of Pelham, Calera, Helena, and Pell City qualify). 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.
Want a recommendation? We work with several Birmingham-area lenders who close on time and pick up the phone. Ask Tahira.
Trusted lender partners
These Birmingham-area lenders have earned our trust through consistent communication, on-time closings, and competitive rates. We don't receive referral fees — we recommend them because they deliver.
Sarah Mitchell
First Alabama Mortgage
15-year Birmingham veteran. Closes conventional loans in 21 days on average. Great with first-time buyers.
James Thornton
Magnolia Home Loans
Specializes in FHA and VA loans. Patient with credit challenges; knows the AL VA regional office inside-out.
Capital Trust Credit Union
Member-owned · Birmingham
Not-for-profit credit union with consistently low rates. Membership open to Birmingham metro residents.
Redstone Federal
Credit Union · Huntsville-based
Strong USDA program for suburban/rural Birmingham. No origination fees for first-time buyers.
Lender information is provided for reference only. New Image Realty does not endorse any specific lender and receives no compensation for referrals. Compare rates and fees from multiple lenders before deciding.
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.