Alabama
Your Birmingham lender lives in Hoover.
The Knox family lives in Greystone. Aubrea McNamara, NMLS #1842646, originates every Alabama loan on the team, and Steve Knox, with 23 years in the business, reviews each file. When a listing agent in Mountain Brook or Vestavia gets our preapproval letter, they’re getting one an underwriter has already read.
Where we lend in Alabama
Birmingham · Hoover · Greystone · Mountain Brook · Vestavia Hills · Homewood · Liberty Park · Trussville · Chelsea · Helena · Pelham · Alabaster · and the rest of the state.
We know the difference between Shelby County and Jefferson County at the closing table, and we’ll explain what the location and applicable exemptions mean for your estimated property taxes before you make an offer.
What’s different about buying here
Alabama real estate transactions involve attorney work on legal documents and advice, though the signing location and closing arrangements can vary. We coordinate with the closing attorney and settlement team so the numbers on your settlement statement match the numbers we gave you. Alabama generally has low property taxes by national standards, but your bill depends on the location, assessment and applicable exemptions. In Mountain Brook, Vestavia and Greystone, higher-cost homes may call for jumbo financing; whether your loan is jumbo depends on the amount you borrow and the applicable conforming loan limit. We structure jumbo files every week.
Alabama loans we do most
Jumbo purchases.
Loans above the applicable conforming limit, structured around your income, assets and property.
Self-employed and bank-statement qualifying.
Options for physicians, attorneys, contractors and business owners whose income needs more than a standard form.
VA loans.
For eligible veterans and service members, including the veteran and active-duty community around Birmingham.
Retirees qualifying on assets.
Asset-based options for borrowers qualifying on eligible balances rather than a paycheck, subject to program requirements.
Relocation loans.
For families moving for UAB, the medical community and corporate employers along the 280 and 459 corridors, with employment timing considered from the start.
First-time buyers.
Alabama Housing Finance Authority’s Step Up program where it fits, subject to program eligibility and requirements.
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.
Talk to Aubrea today. She’ll call back tonight if she has to.
Alabama loans originated by Aubrea McNamara, NMLS #1842646, and Heidi Knox, NMLS #1854322, Canopy Mortgage, LLC, NMLS #1359687. Steve Knox, NMLS #107021, is licensed in Washington and is not licensed to originate in Alabama. All loans subject to credit and property approval. Program availability and eligibility vary. Equal Housing Opportunity.