Loan Programs

The following is a partial list of programs offered by The Mortgage Center with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 256-734-6193 .


Traditional loan programs that usually require 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary.

Jumbo Loans

Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation. Cash out and No cash out refinance are allowable. Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.

VA Mortgages

Backed by the Veterans Administration and the federal government, it is similar to FHA except that you have to be a qualified Veteran or military person.


Rural housing loans offer 100% financing with the chance to roll some to all closing costs into the loan for properties and borrowers who qualify.

FHA loan

A government mortgage that is insured by the Federal House Administration. These loans are particularly beneficial to borrowers with lower income, credit, or down payment.