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Here at HomeTown Mortgage Services, we believe that the more information that our clients have the better decision they are able to make. Here are some informative articles that the loan officers have put together that can help. They cover matters from buying, or selling your home, and financing options. Some of the articles are listed in more than one heading. As always please feel free to contact us with any questions. You can always reach us at 251-445-2278.

Buying a Home

Buying a new home can be a scary and stressful process for future borrowers. At Home Town Mortgage we want to make sure that our borrowers are prepared and educated.

Things to know when looking to Buy a Home

Home Town Mortgage wants to educate all of our borrowers on what they need to know before purchasing the home of their dreams. We have put together several articles that will help prepare you for purchasing your new home.

Check Out Our Free Reports!

Selling Your Home

Selling your own can sometimes be frustrating. There are many questions you might ask yourself, such as “Do I use a Real Estate Agent?” “Should I do a For Sale By Owner?” “Where do I find an Agent I can trust?”. All the questions are very common and Home Town Mortgage understands your concerns. Give us a chance to help you out.

Selling your Alabama Home

Let our Loan Officers guide you to success when selling your home. Although we are lenders at Home Town Mortgage our Loan Officers are very familiar with the real estate end as well.

Tips on How to Sell your Home

FHA Reports

The World of FHA, from credit guide-lines to what will FHA considers your Debt to Income. This special section will answer your question. Also included income underwriting guidelines for the Self Employed. And as always we are only one email or call away.

Educate Yourself!

Home Town Mortgage Services takes pride in our borrowers. We want to make sure that our borrowers make educated decisions when it comes to the Home Loan that fits them best. That is why we provide our borrowers with the tools they need to be educated about the Alabama Home Loans that are available to them.

Check Out Our Free Reports!

USDA Home Loans

USDA Home Loans are the only No Money down Home Loan Programs available to borrowers other than veterans. The USDA Home Loan Programs helps borrowers who are looking to live out side of the city limits qualify for a home with out having the worry of coming up with the down payment. There are some restrictions with the USDA Home Loan program. Find out if the USDA Home Loan Program is right for you.

USDA Home Loan Free Reports

Are you interested in purchasing an Alabama home in a Rural Area but are worried about funds for the down payment? If so you could qualify for the USDA Home Loan Program. The USDA Home Loan program is a 100% financing. In fact, the USDA Home Loan Program is the only No Money down Home Loan Program for individuals that are not a veteran. Home Town Mortgage Services has Loan Officers that specialize on USDA Home Loans as well as other Alabama Home Loan Programs.

Click Here to find out More!

Alabama Bond Loans

Alabama Housing Financial Authority (AHFA or Alabama Bond) offers down payment assistance to borrowers who may need it. The AHFA Home Loan Program is a first come first serve basis. Our Loan Officers here at Home Town Mortgage have provided Free reports describing the AHFA Home Loan Program so you and your family can decide on whether this is the right Home Loan Program for you.

Down Payment Assistance

Are you looking for an Alabama Home for sale but not sure you can afford the down payment? Alabama Housing Financial Authority has a program that can help with your down payment. They are able to provide down payment assistance to borrowers in Alabama. This program is a first come first serve, so check out our free reports to see if the Alabama Bond Loan is right for you.

Check out our Free Reports on Alabama Bond

Credit Issues

Credit these days is the “Yes” or “No” factor when trying to make most large purchases. Unfortunately with our economic issues we have had over the past several years most credit scores are where we would like them to be. Home Town Mortgage understands and wants to help. Everyone deserves the home of their dreams and want to help you get it.

Credit and How it Affects You

Home Town Mortgage has a program called Home Path and it is designed to get you on the road to good credit. Our Home Path Coordinator has provided advice, letters, and more to help borrowers reach their dream of home ownership.

Check Out Our Free Reports on How to Improve Your Credit

Go Green with Your New Home

This day and age everyone is doing there part to take care of our environment. Did you know you can do this while looking to purchase your new home while saving money each year as well? Home Town Mortgage has provided Free Reports on how to keep your home “green” and also how to save money.

Energy Efficient Homes

Everyone wants to save money on their utility bills and now you can. Home Town Mortgage has provided several articles and checklist on how to make your current home more Energy Efficient as well as how to make the home you wish to purchase Energy Efficient.

Click Here to see how you can SAVE

Apply Now!!

At Home Town Mortgage Services we make it easy for our Borrowers to start the Home Loan Process. You are just one step closer to getting the Alabama Home of your Dreams. Apply today online!

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