🏦 Services 

At Mortgage with TLC, I offer a full range of home loan options for Alabama homebuyers and homeowners — including Conventional, FHA, VA, and USDA loans, plus refinancing programs for every situation. Based in Birmingham and serving all of Alabama, I specialize in helping buyers understand their options and close with confidence.

Home Purchase Loans

Buying a home in Alabama is one of the biggest financial decisions you'll make — and I'm here to make sure you understand every option available to you. Whether you're a first-time buyer in Birmingham or relocating anywhere across Alabama, here are the loan programs I offer:

✅ Conventional Loans — Ideal for Alabama buyers with good credit and stable income. Best for credit scores 720+

✅ FHA Loans — Alabama's most popular loan for first-time buyers. Low barrier to entry, best for credit scores between 580 and 720.

✅ VA Loans — Zero down payment financing for Alabama veterans and active-duty service members. You've earned this benefit — let's use it.

✅ USDA Loans — Zero down financing for buyers in rural and suburban Alabama communities.

✅ Jumbo Loans — Financing for high-value Alabama homes above conventional loan limits.

Refinance Loans

Already own a home in Alabama? Refinancing could lower your rate, reduce your monthly payment, or help you access your equity. I'll give you an honest assessment of whether refinancing makes sense for your situation — no pressure, just real numbers. 

🔹 Rate-and-Term Refinance – Lower your interest rate or change loan terms.
🔹 Cash-Out Refinance – Access home equity for renovations, debt consolidation, or other expenses.
🔹 FHA & VA Streamline Refinance – Quick and easy refinancing options for eligible homeowners.

Loans for Self-Employed & Unique Situations

Not every Alabama borrower fits the traditional mold — and that's okay. I work with self-employed buyers, real estate investors, and those with non-traditional income to find loan solutions that actually work for their situation. 

💼 Bank Statement Loans – Qualify using bank deposits instead of tax returns.
📊 DSCR Investor Loans – Ideal for real estate investors qualifying based on rental income.
📑 Non-QM Loans – Custom financing solutions for unique financial situations.

Loan Process – What to Expect

Here's exactly what to expect when you work with Mortgage with TLC — no surprises, no confusion, just a clear path from application to closing day in Alabama.

1️⃣ Pre-Approval – Determine how much home you can afford.
2️⃣ Find Your Home – Work with your realtor to choose the perfect home.
3️⃣ Choose Your Lender – Taylor will work with you to pick the best lender for your situation, we have over 150 to choose from! Then we will submit documents and lock in your rate.
4️⃣ Underwriting & Approval – We handle the details to ensure a smooth closing.
5️⃣ Closing Day! – Sign your documents and get the keys to your new home!