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Secure a home mortgage with a competitive rate from loan advisors in your neck of the woods.

Meet our mortgage lenders

Key Features

  • Competitive Interest
  • Refinancing Available
  • Local Experience
  • Competitively low interest financing for home purchase, refinance, or construction
  • Financing programs to cover a wide range of financing needs:
    • Conventional
    • FHA Loans
    • VA Loans
    • USDA Rural Development Loans
    • And more
  • Flexible, budget-friendly repayment plan options
  • Pre-Qualification available for extra confidence
  • Refinance your current home to potentially lower your rate
  • Local decision-making and processing
  • Our experienced loan advisors are knowledgeable about the local real estate market
  • Streamlined application process

Our primary service areas include:

  • Cullman County
  • Dekalb County
  • Jackson County
  • Lauderdale County
  • Limestone County
  • Madison County
  • Marshall County
  • Morgan County
  • Other areas are offered as needed

Learn More

Understand the ins and outs of the home mortgage process by contacting one of our Mortgage Lenders

View our NMLS Federal Individual Roster (MLO).
NMLS# 401537

Loans are subject to credit approval.

Emily Andrews-Coby
NMLS# 484977
SVP, Director of Mortgage Lending

256.279.6957

Ravi Culbertson
SVP, Director of Treasury Management

256.279.6957

Scott Belgard, CPFA
Financial Advisor
LPL Financial

256.264.0360

Wes Alred, CPFA
LPL Financial Advisor

256.264.9303