Alabama Home Loans

National One Mortgage Corp is licensed to originate residential mortgages in Alabama. We do not maintain an Alabama office — our loan officers work with Alabama borrowers directly, and it is the license rather than a local address that decides who is allowed to originate your loan.

Jim Martinez, our National Sales Director, is licensed in Alabama and handles borrowers here personally.

What's available

• Conventional — the 2026 baseline conforming limit of $832,750 covers essentially the entire Alabama market
• FHA — Alabama counties generally sit at or near the FHA floor, comfortably above typical prices
• VA — we are a VA lender, and Alabama's military presence makes VA a significant share of the market
• USDA — much of Alabama outside the Birmingham, Huntsville, Mobile, and Montgomery metros is eligible, meaning no down payment
• Jumbo and Refinance

Worth knowing

Check USDA before anything else. A large share of Alabama qualifies geographically, and the income limit — generally 115% of area median, adjusted for household size — reaches further up than most buyers assume. No down payment is worth ten minutes of checking.

VA is heavily used here, and the two benefits people most often miss are the funding fee exemption for service-connected disability and the IRRRL streamline refinance at a 0.5% funding fee. Both are covered on our VA page.

Get in touch

Tell us the county, the price range, and whether you have VA eligibility or think you might qualify for USDA. We will run the comparison.

Jim Martinez · NMLS #613324 · (951) 741-1777