Salter Mortgage Group, or SMG Mortgage as many of you know us, has been serving customers with home loans since 2007 and enjoyed steady growth every year in one of the toughest markets in our lifetime. We believe this growth is due to a team who is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area.
Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are.
Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are.
Services
Pre-qualification starts the loan process. Once a lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house. Since different loan programs can cause different valuations a borrower should get pre-qualified for each loan type the borrower may qualify for.
The following is a partial list of programs offered by SMG Mortgage with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 205-983-5626. Construction loans are used to finance the construction of a new structure.
Whether you're interested in building a brand new home for you and your family or you're looking to construct a commercial property we can help craft a terrific lending solution.Each loan is as unique as the property you're looking to construct. We look forward to your questions about construction loans.
Whether you're interested in building a brand new home for you and your family or you're looking to construct a commercial property we can help craft a terrific lending solution.Each loan is as unique as the property you're looking to construct. We look forward to your questions about construction loans.
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans.
It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.
The Making Home Affordable Refinance Program (HARP Phase II) is a government backed mortgage program that allows most borrowers with existing Fannie Mae and Freddie Mac loans to refinance their homes even if they owe more than their home is worth, have an adjustable rate mortgage, have been turned down for a refinance loan or loan modification in the past, or just can't afford their mortgage payment anymore.
Reviews (11)
Mahloeka Ntshetle
Nov 29, 2021
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Carlton L. Wilson
Jan 07, 2021
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I am a first time home buyer, well Owner now because of SMG Mortgage. Being a complete novice to real estate, i couldn't have chosen or rather been blessed by a better company. Brad and Rachel were absolutely phenomenal, any and every possible question i had they answered for me. They truly went above and absolutely beyond during the entire process. Always only a phone call away i dont recall a single time they didn't answer or immediately call me back. They always address me by name when i called because they took the time to develop a personal relationship. This exceptional service also extends
Johnnie Hollis
Oct 01, 2020
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I was supposed to close on 8 house Monday after 3 different times to close and j.d. Russell calls to tell me I didn't get the loan. Now I am out of 50p.00 Ernest money. 560.00 appraisal fee and 275.00 inspection fee. Wonder how many more people they have cost them money. I was told on May 1 st that I could give a 30 day notice so now I have no where to move too and I have a special needs daughter.
Sandra Burdette
Jun 10, 2020
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Tommy Williams
May 25, 2020
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R. Cherri Pitts
Nov 09, 2019
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Chris and his team are great to work with! I've worked with Chris on multiple investment projects which can be very tricky on the financing end. They made it easy for me, and I look forward to working with them on more projects in the future. Excellent communicators, professional and thorough, I highly recommend them!
Erin Harden BehindClosedLoans
Jan 07, 2019
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Reverse Mortgage Alabama
Jan 05, 2019
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Teddy Zane
Sep 10, 2018
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Jeff Hale
Jul 20, 2018
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Ashley Daniel
Jun 18, 2018
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Chris and his team at SMG Mortgage are TOP NOTCH! They provided the best customer service, walking us through each step, answering all questions we had along the way, and handling our loan quickly and efficiently. They eased our minds when situations seemed uncertain and made the process of home buying an easy and pleasant one. We highly recommend them!
