🏦 Services 

At Mortgage with TLC, I offer a full range of loan options for Alabama homeowners — including Conventional, FHA, VA, and USDA loans, plus cash-out refinance programs to help you use your home’s equity wisely. Every client gets a personalized approach and clear guidance from start to finish. 

Home Purchase Loans

Buying a home is a big step, and we’re here to make financing simple. Whether you're a first-time buyer or a seasoned homeowner, we offer competitive loan options to fit your needs.

✅ Conventional Loans – Ideal for buyers with good credit and stable income. Best for credit scores 720+
✅ FHA Loans – Lower barrier to entry, best for credit scores between 600 and 720
✅ VA Loans – No down payment financing for eligible veterans and service members.
✅ USDA Loans – Zero down financing for rural and suburban homebuyers.
✅ Jumbo Loans – Financing for high-value homes above conventional loan limits.

Refinance Loans

Refinancing can help lower your rate, reduce your monthly payment, or tap into your home’s equity. Let’s explore the best refinance options for you.

🔹 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 all borrowers fit the traditional mold. We offer flexible loan options tailored for self-employed individuals and those with non-traditional income sources.

💼 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

We make the mortgage process smooth and stress-free with clear guidance every step of the way.

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!