The Alabama Housing Finance Authority (AHFA) is a public corporation and agency of the State of Alabama created to serve the housing needs of low- and moderate-income Alabama residents.

A cash-out refinance is a replacement of your original mortgage

• Interest rates on a cash-out refinancing are often lower than those on a home equity loan
• You pay closing costs when you refinance your mortgage

• Available to teachers, nurses, first-responders and other community heroes*
• 100% Financing
• Fixed rate terms of 15, 20, and 30 years available
• Receive up to a $500 gift card at closing*

This mortgage option is a way for us to give back to some of those who play vital roles in our local communities so they can enjoy the dream of home ownership.

*Restrictions apply. See page for full details.

• Down payments as low as 3.5%
• More lenient requirements for income and credit history
• Gifts are allowed for down payment and closing costs

Our FHA program can make your dream of home ownership a reality!

• At least one borrower must be a first-time homebuyer
• Requires a low down payment of 3%
• 30 year fixed rate
• Receive up to a $500 gift card at closing*

This mortgage solution helps first-time homebuyers achieve the dream of homeownership. Plus, there are no borrower geographic or income restrictions.

*Restrictions apply. See page for full details.

• Guaranteed low rate
• Fixed-rate terms from 10- to 30-years
• Points and no-point options available
• Receive up to a $500 gift card at closing*

Lock in a low, fixed rate for the life of your mortgage.
*Restrictions apply. See page for full details.

• Fixed-rate 10- and 15-year first mortgage options
• Second mortgage options also available
• 80/10/10 cash out options

Our popular SmartMove Mortgage lets you refinance your existing mortgage to a low rate.

• Available with no down payment
• Fixed-rates available at terms up to 30 years
• Loan amounts between $50,000–$424,100

The VA loan is available to eligible veterans and active-duty military personnel.

• $0 down – 100% financing available
• Small towns, suburbs, and exurbs of major cities qualify
• Competitive interest rates

Looking for a home outside the city limits? A USDA Rural Housing Loan may be right for you.

• 100% financing up to $500,000 sales price
• 90% financing up to $1,000,000 sales price
• No Private Mortgage Insurance (PMI)
• Receive up to a $500 gift card at closing*

This program is available to residents, fellows, new, and established physicians alike.
*Restrictions apply. See page for full details.

• Loan amount can exceed the conforming limit of $424,100
• Available for home purchase or refinance
• Purchase and refinance options
• Receive up to a $500 gift card at closing*

Liberty‘s Jumbo Loan program can help you secure your large mortgage.
*Restrictions apply. See page for full details.

• Convenient one-time close can save you thousands
• Down payment as low as 5%
• 9-month construction period
• Terms up to 30 years
• Jumbo loan financing available
• Receive up to a $500 gift card at closing*

Our construction loan program can make your dream home a reality.
*Restrictions apply. See page for full details.

• Financing up to 90% of the appraised value
• Interest-only monthly payments
• 9-month term
• Low closing costs

Use your home’s equity as a down payment on your new purchase.

• No PMI—providing you huge monthly savings
• Down payments as low as 10%
• A second mortgage will cover 10% of the purchase price
• Receive up to a $500 gift card at closing*

Purchase your new home with no PMI.
*Restrictions apply. See page for full details.

• No closing costs, annual fee, or prepayment penalties
• Interest-only home equity program also available

Need cash for a large expense? Enjoy a great rate when you take advantage of your home’s equity.

• Down payments as low as 5%
• Available for purchase or refinance
• No closing cost refinance available

We offer programs to help you purchase or refinance your condo.

The Kentucky Housing Corporation is a self-supporting public corporation of the Commonwealth of Kentucky that works to make homeownership possible for Kentucky families. Support and 100% financing are available for Kentuckians.

Tennessee Housing Development Agency (THDA) loans make home ownership a reality for many people in Tennessee.