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Best Mortgage Refinance Companies in Birmingham, AL

Our Recommended Top 16

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Birmingham mortgage refinance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

135Reviewed

87Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Birmingham, AL
Visit WebsiteLicense: 839022

Expertise.com Rating

Why choose this provider?

Hilda Campbell is a mortgage banker for Stockton Mortgage who works with clients in Birmingham and the surrounding areas. She helps individuals seeking to refinance their current mortgages for various purposes. These include lowering monthly payments, cashing out equity, consolidating debts, and shortening loan terms. Campbell works with borrowers to find the mortgage program that fits their needs and goals. She provides assistance through the entire loan process, from application and appraisal to underwriting and closing.

  • Conforming Loans
  • Construction Financing
  • Fixed-Rate Mortgages
  • Refinancing
  • VA Loans

Birmingham, AL

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Refinance Company in Birmingham? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

1904 Indian Lake Drive, Birmingham, AL 35244

Expertise.com Rating

Review Sources

Google
5.0 (130)
Facebook
4.9 (107)

Why choose this provider?

Classic Home Mortgage Inc. has been serving clients in Birmingham since 2009. The firm navigates individuals through the home buying process and provides them with various loan options, such as FHA, USDA, VA, conventional, and jumbo loans. Its owner, Erin Tatum, has been in the mortgage industry since 1995. Tatum has experience processing loans for over seven years, which include processing, underwriting, and closing. She also served as the president of the Alabama Mortgage Professionals Association.

  • Multi-Family Loans

204 Griffin Park Trail, Birmingham, AL 35242
Visit WebsiteLicense: 221195

Expertise.com Rating

Review Sources

Google
4.3 (23)
Facebook
5.0 (4)

Why choose this provider?

Established in 2007, SMG Mortgage offers Birmingham clients a varied selection of mortgage services and loan products. Its loan officers help clients refinance their mortgages by identifying better mortgage options that can lower the interest rate or switch the mortgage between fixed-rate mortgages and adjustable-rate mortgages. The business also offers a selection of loan products such as construction loans and reverse mortgages. A client recounts a time when SMG Mortgage helped them improve their credit situation and lower their monthly mortgage payments.

  • Reverse Mortgages

1442 Montgomery Highway Suite 200, Birmingham, AL 35216

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (11)

Why choose this provider?

Mr Mortgage Ambassador under Weber Mortgage offers refinancing solutions to residents in Birmingham. It connects with clients to help them lower their properties’ interest rates and reduce their mortgage payments. Customers have the option to refinance into a new rate term or avail themselves of renovation and cash-out assistance. The other programs that Mr Mortgage Ambassador offers include home purchases, new construction, and conventional loans. Team leader Jay Clyce has more than eight years of experience in the residential lending industry.

  • New Construction

2 Office Park Cir #103, Birmingham, AL 35223

Expertise.com Rating

Review Sources

Google
4.9 (128)
Facebook
5.0 (83)
Yelp
5.0 (2)

Why choose this provider?

McGowin-King Mortgage has been working with property owners in Birmingham since 1998. Homeowners can get lower interest rates and reduced monthly payments through mortgage refinancing schemes. The company also helps buyers with obtaining pre-approval for conventional, FHA, Jumbo, VA, or USDA loans. In addition, clients who are at least 62 years old can consult the firm about securing a reverse mortgage. Founders Jim King and Travis McGowin have more than 80 years of combined industry experience.

  • New Construction

1 Perimeter Park South, Suite 130 South, Birmingham, AL 35243

Expertise.com Rating

Review Sources

Facebook
4.8 (279)
Yelp
4.5 (16)

Why choose this provider?

MortgageRight Birmingham is a lending and refinancing company that serves homebuyers in the metro and the surrounding areas. It provides a variety of options, including cash-out, FHA, conventional loan, VA, and no PMI refinancing. The company's branch manager for Birmingham, Dave Molde, is an army veteran who has been in the mortgage industry for over 25 years. MortgageRight is a nationwide lending company that deals with homebuyers directly instead of going through middlemen. It is an Equal Opportunity Housing lender.

  • Reverse Mortgages

204 Griffin Park Drive Suite B, Birmingham, AL 35242

Expertise.com Rating

Review Sources

Google
5.0 (22)
Yelp
5.0 (1)

Why choose this provider?

Reverse Mortgage Alabama, a senior lending division of SMG Mortgage, has been serving customers in Birmingham and the surrounding areas with their home financing needs since 2007. While focused on providing reverse mortgage assistance, the company also assists in traditional mortgage and refinance processes. Its morgage advisors offer various mortgage options, such as conventional, FHA, VA, USDA, investment, and construction loans, for clients buying their first homes and those refinancing an existing mortgage to lower monthly payments.

  • Reverse Mortgages

500 Office Park Drive Suite 410, Birmingham, AL 35223

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
5.0 (2)

Why choose this provider?

Jennifer Strickland is a mortgage professional catering to the needs of property buyers in the Birmingham metro. Strickland and her team assist new homebuyers in securing mortgage loans and homeowners in refinancing existing mortgages. They guide clients in each step of the buying process, from initial discussion to loan closing, and develop solutions to problems encountered along the way. Strickland has more than 25 years of industry experience and is affiliated with Assurance Financial.

  • New Construction

312 Merchants Walk, Suite 7, Tuscaloosa, AL 35406

Expertise.com Rating

Why choose this provider?

Bank of Little Rock Mortgage is a firm that serves borrowers in Birmingham and the surrounding areas. Since its founding in 1998, it has been assisting people who are looking for mortgage programs to purchase a new house or refinance their current loans. Its mortgage officers also help clients modify their current loan terms and lower the rates or closing costs on a new loan. Scott Mcelmurry, the company's president and CEO, has more than 25 years of mortgage banking experience.

  • Reverse Mortgages

4500 Valleydale Road, Ste F, Birmingham, AL 35242

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
5.0 (24)

Why choose this provider?

Gagliano Mortgage, Inc., addresses the needs of clients in Birmingham. The company consists of refinancing advisors, purchase assistance, and debt consolidators. It offers home refinance, purchase, and equity loans, in addition to adjustable- and fixed-rate mortgages. Its refinancing solutions involve narrowing down the options according to the client's needs to determine the options that fit them best. The company also offers conforming, conventional, jumbo, FHA, and VA loans. Its additional options include state and local housing programs and combined ARMs.

  • Reverse Mortgages

1401 Providence Park Suite 250, Birmingham, AL 35242

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

The Stewart Mortgage Corporation has been catering to property owners in Birmingham since 1995. Its team offers advice to clients on refinancing their mortgages. This service allows them to get lower interest rates, consolidate multiple loans, and reduce their monthly payments. The company also helps property buyers get loan pre-approval for a wide range of options, such as conventional, FHA, USDA, VA, and Jumbo mortgages. Owner Mike Stewart has more than 25 years of industry experience.

  • New Construction

85 Bagby Drive, Homewood, AL 35209
Visit WebsiteLicense: 189527

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

First Lenders Mortgage Corporation is a mortgage refinance lender that serves clients in the Birmingham area. The lender offers various mortgage loan types to first-time homebuyers and those who are planning to refinance, including conventional loans, VA loans, FHA loans, and USDA loans. It follows a mortgage loan process that involves pre-qualification, loan application, loan processing, underwriting, and closing. Home loan originator Joel Brant established the company in October 1988.

  • Reverse Mortgages

2841 Moody Parkway Suite 500, Moody, AL 35004

Expertise.com Rating

Why choose this provider?

Southtown Mortgage is a local brokerage firm assisting customers in and around the Birmingham area with their home financing needs. The organization’s consultants help clients obtain an FHA loan or a type of mortgage from the Federal Housing Administration that lets individuals make a downpayment and has less-restrictive credit requirements. This loan type can also be used to refinance mortgages or renovate homes. The company’s representatives also assist clients with VA and cash-out home loans.

  • Reverse Mortgages

3144 Cahaba Heights Road, Birmingham, AL 35243

Expertise.com Rating

Review Sources

Google
5.0 (35)
Facebook
5.0 (18)
Yelp
5.0 (1)

Why choose this provider?

The Birmingham Mortgage Group caters to clients in the metro. It assists property owners with refinancing loans so that they get lower interest rates and smaller monthly payments. They can also ask for assistance in consolidating multiple mortgages for easier repayments. In addition, its team works with first-time and veteran buyers who need financing for new homes or investment properties. Owners Turnenne Newell and Mark Achuff have many years of experience in the mortgage sector.

2007 Eagle Ridge Drive, Birmingham, AL 35242

Expertise.com Rating

Review Sources

Google
4.9 (158)
Facebook
4.8 (47)

Why choose this provider?

Ben Chenault is a Birmingham-based mortgage advisor at Fairway Independent Mortgage Corporation. He helps homeowners lower their monthly payments and shorten the terms of their loans by providing refinancing solutions. The process includes helping them choose suitable options and gathering the essential documents for applications. In addition, Ben offers renovation, veteran, and reverse mortgage loans. He has been in the mortgage industry for over two decades and has handled more than 2000 transactions.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Hilda Campbell
Birmingham, ALCall for quote
Classic Home Mortgage Inc.
1904 Indian Lake Drive, Birmingham, AL 35244
SMG Mortgage
204 Griffin Park Trail, Birmingham, AL 35242
Mr Mortgage Ambassador
1442 Montgomery Highway Suite 200, Birmingham, AL 35216
McGowin-King Mortgage
2 Office Park Cir #103, Birmingham, AL 35223
MortgageRight Birmingham
1 Perimeter Park South, Suite 130 South, Birmingham, AL 35243
Reverse Mortgage Alabama
204 Griffin Park Drive Suite B, Birmingham, AL 35242
Jennifer Strickland
500 Office Park Drive Suite 410, Birmingham, AL 35223
Bank of Little Rock Mortgage
312 Merchants Walk, Suite 7, Tuscaloosa, AL 35406
Gagliano Mortgage, Inc.
4500 Valleydale Road, Ste F, Birmingham, AL 35242
Stewart Mortgage Corporation
1401 Providence Park Suite 250, Birmingham, AL 35242
First Lenders Mortgage Corporation - Homewood
85 Bagby Drive, Homewood, AL 35209
Southtown Mortgage
2841 Moody Parkway Suite 500, Moody, AL 35004
Birmingham Mortgage Group
3144 Cahaba Heights Road, Birmingham, AL 35243
Ben Chenault
2007 Eagle Ridge Drive, Birmingham, AL 35242

Birmingham, AL Mortgage Refinance FAQs

  • While shopping around for a home or for refinancing options, can you retain the interest rate on your loan approval in Birmingham?

    During the refinancing or home-buying process in Birmingham, you can stop your interest rate from changing on your loan approval through a tool called a mortgage rate lock. This allows you to lock in the interest rate if you close within a certain lock period and your application has no changes. Rate lock duration typically lasts 30 to 60 days, and extensions may be possible.

  • What should your credit score be when applying for a mortgage in Birmingham?

    While lenders may have varying opinions on the ideal credit score, having a FICO score of 620 or higher is generally a good starting point. In Birmingham, your credit score is a crucial factor that lenders consider to determine if you qualify for a mortgage. Borrowers with higher credit scores usually receive better mortgage rates, making them more favorable to lenders.

  • What happens to your mortgaged property in Birmingham if you and your spouse divorce?

    If the spouse living in the house stops paying the mortgage, the property in Birmingham can be foreclosed on. It is recommended that the spouse getting the home apply for a new mortgage under his/her name instead. If there is equity in the home, it can be used as a down payment on the new mortgage.

  • When should you consider refinancing your existing mortgage in Birmingham?

    You may want to consider refinancing if you find a rate that is lower by 1-2% of what you are currently paying or want to switch to a shorter term when rates drop. Refinancing in Birmingham is also the solution if you need lower payments. It allows you to convert from an adjustable-rate mortgage to a fixed-rate mortgage, or vice versa. Moreover, a cash-out refinance is the answer if you are in need of some cash.

  • Is it necessary to get prequalified for a mortgage in Birmingham?

    Securing prequalification for a mortgage in Birmingham is crucial as it aids in adhering to a defined budget during your home search. Additionally, it demonstrates to sellers that you possess prearranged financing, potentially giving you an advantage over other buyers by presenting a "clean" offer. This can enhance your appeal as a potential buyer.