1st Mortgage

That dream house? Let's make it happen.

We want to help you achieve your financial goals, and we’re also committed to your financial wellness. So, when it comes time to buy a home, you can count on us to give you the information, advice and our extra-mile effort to make homeownership possible and manageable for you.

Get up to $2,000 cash back on your new mortgage!

Whether you’re buying your first house or refinancing on your forever home, enjoy:

  • Up to $2,000 cash back*
  • No admin or processing fees
  • Award-winning local service*

PLUS a variety of mortgage options to fit your needs.

This deal only lasts through June 30, 2021 – apply today!

*Membership eligibility and mortgage borrower eligibility required. Terms and conditions apply. Cash back amount will be 0.25% of the loan amount up to a maximum of $2000. For example, a loan amount of $250,000 will receive $625.00 cash back that will be deposited into a qualifying Alabama ONE account when the loan is funded. Interest rate varies based on market. Only new purchases or refinances are eligible for this promotion. HELOCS or 2ND mortgages are not eligible. Local servicing is available on conventional mortgages only. Offer expires June 30, 2021. Interest charges begin accruing as of the loan disbursement date. Terms subject to change at any time without notice. Alabama ONE NMLS Unique Identifier #401726. Offer expires 06/30/2021.



We offer a variety of fixed and adjustable-rate mortgages with extremely competitive rates. Let’s talk and find just the right mortgage to get you in the house of your dreams.

Some mortgage types require Pre-Purchase Counseling.

  • Fixed and variable-rate loans
  • Low closing costs and origination fees
  • Loans available for purchases, construction, property, and refinance
  • Flexible terms up to 30 years
  • Local servicing and mortgage payment acceptance



First Time Homebuyer Program

Alabama ONE now offers Fannie Mae’s HomeReady first-time homebuyers mortgage, a program designed to help eager buyers get into their first home.

  • Competitive rates
  •  Down payments as low as 3%
  •  Gift funds allowed
  •  Reduced Private Mortgage Insurance (PMI) coverage
  •  Homeownership education and counseling
  •  More flexible underwriting

Apply Now


Education is Everything. Learn more about the home-buying process now.


Contact our Mortgage TEAM


Kelly Denard
Director of Mortgage Services
(205) 562-2334, Toll-Free: 800-225-0110
NMLS 910627

Morgan Lindskog
Mortgage Loan Officer
(205) 358-0760, Toll-Free: 800-225-0110
NMLS 2072105

Clarissa Strickland
Mortgage Loan Officer
(205) 562-2355, Toll-Free: 800-225-0110
NMLS 1884985

Mortgage Services Toll-Free: (800) 225-0110 ext. 1750
Mortgage Services Fax: (205) 750-2314

NMLS 401726

Mortgage Satisfaction Survey