Loan Programs

FHA Loans

Conventional Loans

Low down payment financing with flexible credit options, including 3.5% down for qualified borrowers with 580+ credit.

Conventional Loans

Flexible mortgage options for primary homes, second homes, and investment properties, with down payments as low as 3%.

USDA Loans

Conventional Loans

USDA Loans

No-down-payment financing for eligible homebuyers purchasing qualifying homes in approved rural and suburban areas.

VA Loans

USDA Loans

No-down-payment mortgage options for eligible Veterans, service members, and qualifying surviving spouses.

Down Payment Assistance Loans

DSCR Investment Property Loans

A chalkboard sign reading ;DOWN PAYMENT ASSISTANCE beside house keys.

Explore programs that may help eligible homebuyers cover down payment and closing costs when purchasing a home.

DSCR Investment Property Loans

Qualify for investment property financing using the property's rental income rather than your personal income.

Self-Employed Mortgage Loans

Manufactured & Mobile Home Loans

Mortgage solutions for business owners and self-employed borrowers using traditional or alternative income documentation.

Manufactured & Mobile Home Loans

Financing options for eligible manufactured and mobile homes, including FHA, VA, USDA, and conventional programs.

Construction Loans

Manufactured & Mobile Home Loans

Construction Loans

Financing options to build your new home, including construction-to-permanent and one-time-close loan programs.

Commercial Loans

Construction Loans

Financing solutions for qualifying commercial and investment real estate, including acquisition and refinance options.

Fix and Flip Loans

Short-term financing for real estate investors purchasing, renovating, and reselling properties for a profit.

Home Equity Loans & HELOCs

Access your home's equity for renovations, debt consolidation, major expenses, or other financial needs.

Equal Housing Lender

Tom Kalagher
Mortgage Loan Originator
NMLS ID 2028566

Fairhope Mortgage
Branch NMLS ID 2561450

314 Magnolia Ave, Suite 101, Fairhope, AL 36532

Fairhope Mortgage operates as a branch of Reliant Mortgage, LLC.
Reliant Mortgage, LLC — Company NMLS ID 1075152

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