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Loan Services for First-Time Buyers in Birmingham & Huntsville, AL

Nervous about taking a home loan for the first time? If you are interested in purchasing a home in Alabama, then we right mortgage company for your situation.

Weber Mortgage is the most trustworthy service provider for first-time homebuyers in HuntsvilleMobileBirmingham, and other cities we serve in Alabama. Our financial experts provide unmatched rates and superior services for VA, FHA, conventional, and non-qualifying loans, as well as other types of home loans. We have been operating since 1999 and helped close thousands of loans for first-time buyers. We can help you, too!

From the first contact to the final closing, your biggest investment is our priority for customers in ParrishOrrvilleRamer, or Oakman. To learn more, contact us online or give us a call at 205-751-8583 to take the first step toward owning your dream home.

Is it Better to Shop Now or Later for Your New Home in Birmingham or Mobile?

Shopping

Our calculator will help you estimate what you can afford, how much of a down payment you’ll need, what your monthly payment could be, and how much interest you’ll pay over the life of a loan. On the other hand, if a move is in your near future, these are the two most important steps you should take first. They’ll put you in the hands of experts who help people like you become a homeowner for the first time every day.

Step 1: Get approved for a loan. Doing this before looking at houses helps you a lot. Here are some of the benefits:

  • You’ll get an approval letter that shows real estate agents and sellers you’re able to afford a house.
  • You’ll find out how much house you can afford.
  • It makes the rest of the mortgage process smoother and easier.

Step 2: Find a real estate agent. After you apply and get approved, choose a real estate agent. They’re another great source of experience and knowledge when it comes to how to buy a home. You can expect your agent to do these things:

  • Help you find the right house in the right place at the right price.
  • Manage paperwork.
  • Negotiate with sellers.

With an approval letter and listings from your agent, you’ll be ready to start hitting those open houses.

Popular Loan Options for First-Time Home Buyers with Weber Mortgage

Here are some common situations that often apply to people getting their first home loan, and possible options. You may qualify for more than one; we’ll help you find what’s best for you.

Popular Loans Options for First-Time Home Buyers
  • Want payment and interest rate stability? With a 30-Year Fixed-Rate Loan, your interest rate and monthly payments (before taxes and insurance) won’t change, and you can buy a home with as little as 3% down.
  • Don’t have a lot of credit history, or worried it’s not good enough? FHA loans have more lenient credit and income requirements, and your down payment can be as low as 3.5%.
  • Think you’ll only be in a starter home for a few years? Adjustable-rate mortgages offer a low fixed interest rate – which means lower monthly payments – for the first few years of your mortgage before the rates climb later in the life of the loan.
  • Are you a veteran or currently serving? You may qualify for a VA Loan and be able to buy a home with zero down.

Let Weber Mortgage Help You Buy Your First Home in Shannon, Ryland, & Saraland

It’s human nature to build a family and want your own home. That is why Weber Mortgage, a family-owned company, caters to first-time homebuyers in Shannon, Ryland, Saraland, Princeton, Quinton, and other cities we serve in Alabama. We know how important it is that your first home lone be something that will fit your needs and your budget. When you need our services,  contact us online or give us a call at 205-751-8583 to take the first step toward owning your dream home in ParrishOrrvilleRamer, or Oakman.