About me

I have been finance for the past 26 years. I have spent over the last 15 years in the mortgage industry. I enjoying helping people purchase there first home to those purchasing second homes and investment properties. I enjoy helping our Veterans purchase homes and understanding the VA loan process as I am a daughter of a Vietnam Veteran. I enjoy educating people of the process of home buying and the benefits of owning a home. I find myself getting as excited as my Borrowers on home closing day.

In my spare time I enjoy spending time with my husband and our teenage daughter. My most favorite times are spent traveling. I love going new places and experiencing new things. I enjoy visiting cities that are walkable, as I enjoy architecture and most of all seeing buildings and homes that have been restored.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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NMLS ID #740011

I am authorized to do business in the state of Alabama.

Select from hundreds of loan products tailored to your needs

Kelly Lankford

Loan Officer

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