The First Mortgage Group Team is your premier mortgage team located in Decatur, Alabama. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Decatur area.
Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.Whether you are a first time home buyer or purchasing your dream home, The First Mortgage Group Team will help you find the right financing solutions to meet your needs.
Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.Whether you are a first time home buyer or purchasing your dream home, The First Mortgage Group Team will help you find the right financing solutions to meet your needs.
Services
The First Mortgage Group team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
One of the first choices a homebuyer will need to make is whether you want a fixed-rate or an adjustable-rate mortgage loan. The bulk of loans will fit into one of these two categories, however, there is a third option that will allow you to "hybrid" the two. An adjustable-rate mortgage, (ARM): The interest rate of the mortgage adjusts periodically based on market conditions.
Refinancing a mortgage is when a borrower gets a better interested rate and loan term. A borrower can achieve lower monthly payments and if they qualify, use their equity to obtain money that can be spent by the borrower. There are several pros and cons of refinancing a mortgage and we can help determine if this is right for you.
Conventional loans are mortgage loans offered by non-government sponsored lenders. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
A VA Loan is Designed to offer long-term financing to veterans. VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
Reviews (1)
Heart Sigh
Sep 24, 2021
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If you're looking for a loan, I would steer as clear from this group as you can. It took us over 8 months to close and every excuse for the delay was covid. On top of that closing costs were thru thru the roof. By the time we did close they forgot our paperwork and had to mail it to us. Very unprofessional and I wouldn't trust them ever again to do another loan for us.
