Birmingham Metro
Mortgage Lender
Specialized financing for Alabama's economic anchor. Jumbo mortgages for "Over the Mountain" luxury. Medical professional loans for UAB physicians. Conventional programs for suburban families.
The Medical & Financial Core
Birmingham is the established economic anchor of Alabama, fueled by a massive banking sector and the University of Alabama at Birmingham (UAB) medical network. The wealth is heavily concentrated in the southern suburbs—the "Over the Mountain" communities of Vestavia Hills, Homewood, and Mountain Brook—where home prices rival those of major metropolitan areas.
UAB Medical Center
The state's largest employer and one of the nation's leading academic medical centers, driving demand for physician mortgages.
Banking & Finance Hub
Regions Bank and other major financial institutions are headquartered here, creating a concentration of high-income finance professionals.
"Over the Mountain" Wealth
The southern suburbs—Vestavia, Homewood, Mountain Brook—contain some of the highest home values and incomes in the Southeast.
Economic Stability
As Alabama's economic anchor, Birmingham offers consistent employment across healthcare, finance, education, and manufacturing.
Birmingham Metro Cities We Serve
From prestigious Vestavia Hills to family-friendly Trussville, we tailor our approach to each market.
Vestavia Hills
$525,000The crown jewel of "Over the Mountain" suburbs. Ultra-affluent with historic estates, exceptional schools, and concentrated wealth from banking and medical sectors.
Premier luxury market
Hoover
$385,000Alabama's largest suburb and an economic powerhouse. Galleria Mall, major employers, and a diverse housing stock from starter homes to estates.
Suburban powerhouse
Trussville
$345,000Booming eastern suburb pulling in families with top-rated schools, new retail development, and a strong sense of community.
Family-focused growth
Featured Birmingham Metro Loan Programs
"Over the Mountain" Jumbo
Financing for Vestavia Hills' luxury estates and high-value homes exceeding conforming limits.
- Loans above $832,750
- Estate financing
- Flexible asset verification
Medical Professional Mortgage
Specialized programs for UAB physicians, residents, and healthcare professionals with unique income profiles.
- Residency income accepted
- Student loan flexibility
- Low down payment options
Suburban Conventional
Competitive conventional financing for Hoover and Trussville families seeking great schools and neighborhoods.
- As low as 3% down
- Removable PMI
- Fast closing times
Ready to Buy in Birmingham Metro?
Whether you're a UAB physician seeking a Vestavia Hills estate or a young family looking at Trussville—we have the right program for you.
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