Fairhope Mortgage LLC
Fairhope Mortgage LLC
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Fairhope Mortgage LLC

Fairhope Mortgage LLCFairhope Mortgage LLCFairhope Mortgage LLC



Apply Today

251-391-5618

Fairhope Mortgage LLC

Fairhope Mortgage LLCFairhope Mortgage LLCFairhope Mortgage LLC



Apply Today

251-391-5618

Welcome

 

About Me

I’m Tom Kalagher, the founder of Fairhope Mortgage. I have a deep passion for helping individuals and families achieve their homeownership dreams. Securing a home loan is the most significant financial decisions you’ll ever make. That’s why I prioritize personalized solutions and clear communication. 



Contact Us

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Fairhope Mortgage LLC

251-391-5618 Tom@reliantapproval.com

Hours

Mon

09:00 am – 05:00 pm

Tue

09:00 am – 05:00 pm

Wed

09:00 am – 05:00 pm

Thu

09:00 am – 05:00 pm

Fri

09:00 am – 05:00 pm

Sat

Closed

Sun

Closed

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 
  • Home Equity Loans
  • Reverse Mortgages


Reviews

Social

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?

Company NMLS: 1075152

Reliant Mortgage DBA Fairhope Mortgage LLC

4114 Toulouse St, New Orleans, LA 70119

Loan Officer Tom Kalagher 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 © 2025 Fairhope Mortgage LLC- All Rights Reserved.

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