Make Your Dream Home A Reality
Ransom Kelly is your premier mortgage loan officer located in Birmingham, Alabama. He prides himself on offering some of the best rates nationwide, while making the loan process simple, straightforward and fast for borrowers seeking a mortgage in Birmingham, Tuscaloosa, and the whole state of Alabama!
The Solutions You Need to Meet Your Mortgage Goals!
Ransom Kelly offers all many different loans including: FHA, USDA, Conventional, VA Loans, Renovation and Construction Loans, Jumbo Loans, and much more! Whether you qualify for a straightforward, conventional loan or need an out-of-the-box solution, we can help. I provide loans with flexible terms, down payment amounts and interest rate options.
Conventional loans are offered by private lenders and are not backed by the federal government. We provide conventional conforming loans (those that meet Fannie Mae and Freddie Mac guidelines) and conventional non-conforming loans (jumbo loans that exceed Fannie Mae and Freddie Mac loan limits).
Jumbo Loans exceed the maximum loan amounts established by Fannie Mae and Freddie Mac conventional loan limits. Rates on jumbo loans are typically higher than conforming loans. Jumbo Loans are typically used to buy more expensive homes and high-end custom construction homes.
The primary goal of the Federal Housing Administration (FHA) is to improve the housing market and protect mortgage lenders if a borrower was to default on their FHA loan. The FHA is one of the largest insurers of whole mortgages in the United States.
A VA Loan is Designed to offer long-term financing to veterans. VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. Assurance Financial is honored to be able to offer outstanding rates on Birmingham and Tuscaloosa VA loans.
The primary goal of the Unites States Department of Agriculture (USDA) loan is to improve the market for rural areas and help mortgage lenders with the defaults on this specific product. The USDA loan is one of the top loans offered in the United States and can be offered with 100% financing.
Getting Started Today
If you want to purchase or refinance property, do not go through the process alone. Ransom Kelly of Assurance Financial will provide peace of mind and great financing possibilities. If you are interested in mortgage solutions in Birmingham, Tuscaloosa, and the whole state of Alabama, I can help. Contact me today at (205) 776-8400!