Fairhope Mortgage by Reliant Mortgage

Fairhope Mortgage by Reliant MortgageFairhope Mortgage by Reliant MortgageFairhope Mortgage by Reliant Mortgage

Fairhope Mortgage by Reliant Mortgage

Fairhope Mortgage by Reliant MortgageFairhope Mortgage by Reliant MortgageFairhope Mortgage by Reliant Mortgage
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Get Approved for the Home of Your Dreams

Get Approved for the Home of Your Dreams Get Approved for the Home of Your Dreams Get Approved for the Home of Your Dreams



Apply Today

1-251-391-5618

Get Approved for the Home of Your Dreams

Get Approved for the Home of Your Dreams Get Approved for the Home of Your Dreams Get Approved for the Home of Your Dreams



Apply Today

1-251-391-5618

Welcome

Buying a home is a huge step.  First home, investment property, or your dream home, it is one of the biggest investments you will make.  Your purchase will be as important to me as it is to you, and we have all the experts to ensure a seamless transaction.  

Experts Guide You

Step 1: Budgeting

Step 2: Credit Review

Step 2: Credit Review

I work with you to go over your budget to see what house payment you can afford without over reaching.

Step 2: Credit Review

Step 2: Credit Review

Step 2: Credit Review

I will review you credit situation, and can make recommendations for how to best position yourself to get the best rate.  I can also run a simulator that shows exactly what to do to get your score up to qualify or get the best rate.

Step 3: Pre-Approval

Step 2: Credit Review

Step 4: House Hunting

I get you a pre-approval letter that you can use with your real estate agent to make offers on properties.  Knowing you can obtain a loan gives you an advantage over offers without a pre-approval.

Step 4: House Hunting

Step 4: House Hunting

Step 4: House Hunting

Don't have a realtor yet? I work with some of the best realtors in the area and can recommend someone specific to your needs. I can also recommend some great insurance agents that can save you on your monthly payments. 

Step 5: Loan Process

Step 4: House Hunting

Step 5: Loan Process

I walk you through every step of the loan process including gathering documents, locking you into the lowest interest rate possible, finding the best loan type for your unique situation, underwriting, and preparing for closing.

Step 6: Closing Day

Step 4: House Hunting

Step 5: Loan Process

On the day of closing you sign all the documents transferring the property to you and signing the loan note.  I make sure there are no surprises for you and work with your realtor to ensure we close on time.  Then it's time to get the keys and make lasting memories in your new home.

Services Powered by Reliant Mortgage

Home Purchases & Refinances

  • Residential and investment real estate loans
  • Mortgage market trends and analysis 
  • The real estate buying and selling process
  • Pre-Approval letters
  • Integration with realtors, title companies and insurance agents

Loan Products & Programs

  • Conventional Loans: Fixed & ARMs
  • FHA Loans - 3.5% Down, 580+ Credit
  • VA Loans - Zero Down, Zero PMI
  • USDA Loans - Zero Down
  • Construction Loans
  • 203K FHA Renovation loans
  • Interest rate buy downs
  • DSCR Investment property loans (no income)
  • Commercial investment property loans closing in an LLC
  • Refinance 
  • Apartment buildings 


About

My name is Tom Kalagher and I'll work hard to get you the best deal on a mortgage or refinance possible.  I live and work in Fairhope, AL but service most of the Gulf Coast. Please email or call me for information, and if your schedule makes M-F 9-4 banking hours difficult I can work with your schedule.

Reviews

Social

Credit Review

Not sure if you will qualify?  Want to increase your credit score to qualify for a better interest rate?  Get your scores and a complete credit review.  I can even  run a simulation to tell you the exact actions you need to take for your score to increase to your target and get you approved.  No more guessing, know wha

Credit Review

Video

You Don't Need 20% Down

Check out how to buy with zero to 3.5% down

VA Loans with No Money Down

What are the benefits of a VA  loan?

Everything You Need to Know About Credit

Want to learn how to improve your score?

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Contact Us

Company NMLS: 1075152

Reliant Mortgage

4114 Toulouse St, New Orleans, LA 70119

Loan Officer tom@reliantapproval.com 1-251-391-5618 433 Breckin Dr, Fairhope, AL 36532

Hours

Monday - Friday: 9am - 5pm or later by appointment

Saturday: By appointment

Sunday: By appointment

Copyright © 2023 Fairhope Mortgage - All Rights Reserved.

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