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mortgages Buying a Home - Alabama Real Estate

Buying a Home - Alabama mortgages, down payment assistance and first time home buyer grants for buying Alabama real estate.

Research the available Alabama mortgages and home loan programs for buying Alabama real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Alabama real estate. 


Government grants for buying a home

There are no links for government grants for buying a home in Alabama at this time.

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Alabama.

HART - down payment assistance program allows you to buy a home with no money down.

Nehemiah - down payment assistance program for buying a home with no money down when used with a FHA loan.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Alabama or refinancing. Use the link below to complete a form from our partner Quicken Loans and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans from Quicken - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy older than 2 years

  • foreclosure older than last 3 years

  • low credit scores above 540

(not sure what your credit score is? Get a Free Credit Report instantly)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Alabama.

FHA loans - government insured mortgages that allow you to buy a home with only 3.5% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use the mortgage calculator below to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Alabama Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Alabama real estate of homes for sale.

Complete the form below for direct access to the following types of Alabama real estate listings:

Access Alabama Real Estate Listings

You will get free unlimited access to search Alabama real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

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