Alabama Premier Mortgage

At Alabama Premier Mortgage, we are dedicated to helping you find the right financing fit for your new home. With 19 years of experience in mortgage finance and a deep knowledge of the Alabama area, we are equipped to handle even the most complex loans. Our goal is to work with you every step of the way, from the initial application to the closing, to ensure that you get the loan that best meets your needs.

Experienced and Capable

Our team is led by Stewart Holt, a mortgage industry veteran with over 19 years of experience. Based in Alabama, Stewart has a deep understanding of the local real estate market and is committed to helping residents of the state find the right mortgage solution for their needs. He specializes in working with complex or difficult loans, using his expertise and problem-solving skills to find solutions where others have failed. With Stewart and the Alabama Premier Mortgage team on your side, you can rest assured that you are in good hands.

Local and Committed

At Alabama Premier Mortgage, we are more than just a mortgage company. We are a part of the local community, dedicated to helping our neighbors find the right mortgage solution for their needs. We understand the unique challenges and opportunities of the Alabama real estate market, and we are committed to using our expertise to help our clients make the most of them. Whether you are a first-time homebuyer or a seasoned investor, we are here to help you every step of the way.

The Mortgage Process

The mortgage process can be complex and intimidating, but at Alabama Premier Mortgage, we strive to make it as simple and stress-free as possible. Here is a brief overview of the process and how we will help you navigate it:

• Pre-Approval: The first step in the mortgage process is pre-approval. This will give you a clear idea of what kind of loan you qualify for and how much you can afford. We will work with you to gather all of the necessary financial documentation, including W-2s, tax returns, pay stubs, bank statements, and investment statements.
• Application: Once we have all of the necessary financial documentation, we will work together to complete the mortgage application. This will involve answering questions about the property, the type of loan, and your financial history.
• Loan Estimate and Moving Forward: Once the application is complete, we will provide you with a Loan Estimate. This will include important details such as your monthly payment, interest rate, and associated fees. We will then work together to meet any conditions that need to be met in order to finalize the loan.
• Loan Processing: As we work through the conditions of the loan, we will also be working behind the scenes with other parties to ensure that your loan gets to the closing table as soon as possible.
• Underwriting: The underwriter will review all of the conditions and either approve or deny the loan. If the loan is approved, we will move forward to the closing.
• Closing: At the closing, you will sign all of the necessary paperwork, bring your part of the closing costs, and officially become a homeowner!

At Alabama Premier Mortgage, we are committed to helping you through every step of the mortgage process. From pre-approval to closing, we are here to help you find the right financing fit and make your dream of homeownership a reality.