North Alabama Mortgage Inc

About North Alabama Mortgage

North Alabama Mortgage, established in 2006, began as a small, local mortgage company with a mission to provide a more personalized client experience than corporate America. Initially serving only Alabama, the company expanded to serve Florida and Tennessee, rebranding as 20/20 Mortgage to reflect its broader reach. Today, 20/20 Mortgage proudly serves homebuyers and homeowners across Alabama, Tennessee, and Florida. The company has grown from two original team members to over thirty, all hand-picked for their shared values, drive, and commitment to integrity. This culture of energy, integrity, and heart fosters strong client relationships and referrals.

Credibility and Expertise

While specific certifications and awards are not detailed, North Alabama Mortgage - 20/20 Mortgage emphasizes its long-standing presence since 2006 and its growth through personalized service and client trust. The team's expertise is highlighted by their direct communication approach and their commitment to helping realtors grow their businesses. They offer 7-day-a-week pre-approvals, direct access to loan originators and processors, and a focus on fast, on-time closings, all contributing to their reputation as a reliable lending partner.

Loan Products and Services

20/20 Mortgage offers a comprehensive suite of loan solutions for home purchases, refinances, primary residences, second homes, investment properties, and new construction. Their offerings include traditional loan options such as Conventional, FHA, VA, USDA, Jumbo loans, and Temporary Rate Buydowns. They also provide special programs like First-Time Home Buyer Programs and Down Payment Assistance, alongside Non-QM and alternative lending options for unique financial situations, including bank statement loans, DSCR loans, and ITIN loans. They cater to a wide range of client needs, from those with perfect credit to those with alternative income documentation.

Unique Advantages

Established in 2006, North Alabama Mortgage - 20/20 Mortgage has over 18 years of experience. They offer 7-day-a-week pre-approvals and emphasize fast, on-time closings. The company prides itself on a personalized approach, treating clients and partners like family, and has grown organically through strong relationships and referrals.