Our Story
Built on referrals.
Run by a family.
Steve Knox has closed mortgages for 23 years, through two housing cycles and every rate environment in between. Before that he ran human resources for large organizations, which is where he learned that the hard part of any process is the people in it, not the paperwork.
His daughter Aubrea grew up around the business and now carries the Alabama license. She originates every Alabama loan on the team. Steve reviews every file. Heidi Knox, Steve's wife, holds licenses in Washington and Alabama and is the third set of hands when a closing week gets crowded. Kimberly Campista, our partner in the same Canopy branch, handles borrowers buying outside Alabama and Washington where she is licensed.
The team is part of Canopy Mortgage, which gives us access to conventional, FHA, VA, USDA, jumbo, and non-QM programs. What Canopy does not give us is a sales script. We have never bought a lead. Nearly every family we work with was sent by a family we already helped.
What We're Good At
The loans other lenders
send back.
Self-employed income. K-1s, 1099s, and bank-statement qualifying. Jumbo purchases in Mountain Brook and Vestavia. Retirees qualifying on assets rather than a paycheck. Investors using rental income. We've spent two decades on files that don't fit the box, and it shows in how fast we can tell you whether yours will work.
Where We Work
Hoover and
the Puget Sound.
The Knox family lives in Hoover, Alabama. Aubrea serves Birmingham, Hoover, Mountain Brook, Vestavia Hills, Homewood, Greystone, and Liberty Park. Steve serves the Seattle area and the rest of Washington, where the team started. Kimberly serves borrowers outside Alabama and Washington.
The Knox Commitment
Five things we promise.
In writing.
01
A real preapproval in five days.
Within five business days of deciding to work with us, your file has been reviewed by an underwriter, not just run through software. Your letter means something to a seller because the hard questions were already asked.
02
A fresh letter for every offer.
Each time you write an offer, you get a letter tailored to that price and that property. Then we call the listing agent ourselves, so they hear from a lender who has already seen your file.
03
Evenings and weekends.
Houses go under contract on Sunday afternoons. We answer on Sunday afternoons.
04
Two people who know your file.
Steve and Aubrea work every loan together. If one is in a closing, the other picks up. You will never hear "she's out today, can I take a message."
05
The number before the commitment.
Rate, fees, and payment in plain language before you sign anything. If a smaller loan or a different program serves you better, we say so.
Thirty-plus years of combined experience. Thousands of closings. One phone number that gets answered.