HomeStyle Loans


If you are planning to make home renovations or repairs, there are many options to help with financing. Homeowners can apply for lines of credit, in store financing, or home equity loans. However, these are not the only ways to pay for your project. If you have recently purchased a home, or are trying to… [Read More]

Construction Loans for One and Two-Time Closings


Are you planning to build your own, custom dream home? Do you want to understand all the ins and outs of construction loans and closing costs? This week’s blog post is just for you. Ransom Kelly at Assurance Financial is here to share some pros and cons of construction loans for one and two-time closings…. [Read More]

Credit Repair Tips

Money & Debt Worries, Young Woman Stressed by Credit Cards

Budgeting, credit repair, and savings are not always everyone’s favorite topic to discuss. People often struggle to raise their income, set aside funds, and pay down their debt. Repairing your credit is an important skill to learn. You should always seek to understand what is considered an excellent, good, fair, and bad credit score. Ransom… [Read More]

Saving For a Down Payment

Couple Buying House

Ransom Kelly at Assurance Financial has helped so many Birmingham Alabama homeowners achieve their dreams. One of the most important elements of purchasing a home is learning how to save for a down payment. Today, we are here to give you advice on accomplishing your financial goals. With a better-sized down payment, you may end… [Read More]

What Are Renovation Loans?


Securing a renovation loan is a great way to improve the quality of your home life as well as increase the value of your home. There are many reasons people want to get a renovation loan. You will need to plan your costs carefully. Ransom Kelly at Assurance Financial is here to share many tips… [Read More]

What is a Doctor Loan?

success smart medical doctor working with operating room

Ransom Kelly at Assurance Financial enjoys working with many types of clients for fast and efficient home closings. This week, we want to share a unique program for physicians and their families. The program is referred to as a “doctor loan”. It can also be called a “Physician Mortgage Loan.” This is a mortgage product… [Read More]

100% Financing USDA Loans for New Construction

excavator digs a hole

Ransom Kelly at Assurance Financial has helped many residents of Birmingham Alabama secure home loans for new construction. Today we are here to tell you about how USDA Loans are a wonderful program to pay for building your dream home. Loans from the United States Department of Agriculture (USDA) are well known for benefits like… [Read More]

Non-Qualified Mortgages after Bankruptcy


In our last post, we talked about Non-Qualified Mortgages (also known as Non-QM Loans).  Non-QM Loans were established after the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act. A response to the mortgage crisis, the Dodd-Frank legislation created regulations that are implemented by the Consumer Financial Protection Bureau (CFPB). Primarily, these standards… [Read More]

Non-Qualified Mortgage Loans for Non-Conforming Loans

house with black shutters

Non-Qualified Mortgages for Non-Conforming Loans Non-conforming loans are a type of loan that exceeds limits set by Government Sponsored Entities (GSEs) such as Fannie Mae and Freddie Mac. Such loans may be used when a borrower wants to obtain a large mortgage. Non-Qualified Mortgages, or “Non-QM” loans, are loans that do not meet requirements set… [Read More]


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