Best Mortgage Brokers in Tuscaloosa

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Cahaba Mortgage logo
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License Verified:

License: 2354123

Nationwide Multistate Licensing System and Registry

Cahaba Mortgage

2 Chase Corporate Drive, Suite 30, Hoover, AL 35244
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  • Refinance
  • New Construction

Business Description

Cahaba Mortgage, a member of the Veterans Advocacy & Benefits Association, has been providing custom financial solutions for individuals in and around the Tuscaloosa area since 2016. Its team assists clients throughout the process of obtaining loans, from pre-approval to closing. The mortgage advisors offer a variety of products, including FHA loans, which cater to clients with low credit scores. VA, conventional, jumbo, and renovation loans are also available. Josh Hefty established Cahaba Mortgage after 11 years of working in the industry.

License Verified:

License: 2354123

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (36)
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Classic Home Mortgage Inc. logo
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License Verified:

License: 206004

Nationwide Multistate Licensing System and Registry

Classic Home Mortgage Inc.

1904 Indian Lake Drive, Birmingham, AL 35244
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  • Refinance

Business Description

Classic Home Mortgage, Inc., caters to people in the Tuscaloosa metro. Its officers work to make the loan process simple for first-time homebuyers who want to fund their dream houses and homeowners who plan to refinance their current mortgages. Loan programs available include conventional, jumbo, FHA 203, USDA, and VA mortgages. The team helps clients get pre-qualified and guides them through closing. Erin Tatum, the president and owner, commenced her career in the mortgage field in 1995 and established the agency in 2009.

License Verified:

License: 206004

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (132)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gagliano Mortgage, Inc. logo
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License Verified:

License: 204149

Nationwide Multistate Licensing System and Registry

Gagliano Mortgage, Inc.

4500 Valleydale Road, Ste F, Tuscaloosa, AL 35242
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  • Refinance
  • New Construction

Business Description

Gagliano Mortgage, Inc., offers various broker services to the residents of Tuscaloosa. The team delivers reverse mortgage loans for the elderly members of the community. It has FHA-backed products for individuals with less ideal credit situations. Home refinancing is also available to convert existing obligations into forms with more reasonable terms and conditions. Gagliano Mortgage, Inc., maintains listings of real estate, accounting, and appraisal professionals who expedite the multifaceted aspects of property sales and purchases.

License Verified:

License: 204149

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (38)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
U.S. Mortgage Solutions logo
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License Verified:

License: 1988963

Nationwide Multistate Licensing System and Registry

U.S. Mortgage Solutions

2316 University Blvd Suite 100, Tuscaloosa, AL 35401
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  • New Construction

Business Description

U.S. Mortgage Solutions serves residential property owners and buyers in Tuscaloosa and the surrounding areas. It offers different types of home loans for purchase and refinance transactions, handling the process from pre-qualification and applying for a loan to determining the applicable loan program and closing. It provides adjustable-rate and 15-year fixed-rate mortgages based on clients' current financial situations. The U.S. Mortgage Solutions team also educates its buyers about calculating credit scores and borrowing funds for down payments.

License Verified:

License: 1988963

Nationwide Multistate Licensing System and Registry

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Do mortgage brokers need to be licensed?

Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Is it difficult to pass the mortgage brokers’ test?

Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

What is a surety bond for mortgage brokers?

A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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