Relocating to Alabama Tips + Relocation Checklist


Ransom Kelly at Assurance Financial is here to help you with all your needs for purchasing a home and relocating to Birmingham, Alabama. There are so many things to remember during the process of moving, and in buying and selling a home. We have included a useful checklist for you to print and remember. Be… [Read More]

VA Construction Loans


Are you a Veteran or otherwise qualifying service member or spouse that can qualify for a home loan from the US Department of Veteran Affairs? Do you want to build your own home instead of purchase an existing one? Then you may consider a VA Construction Loan. These loans come with many benefits and streamlined… [Read More]

FHA 203k Loans


Are you looking to purchase a home that will need remodeling or renovations? Are you researching ways to cover the costs? A 203K Loan may just the solution you need. This week, Ransom Kelly at Assurance Financial is here to tell you all about 203K Loans. You are welcome to call our professional staff for… [Read More]

Reverse Mortgages

happy grand parents

A reverse mortgage is a loan made against a home that you already own. Many people use this type of loan to purchase a second property. It is commonly also understood as a home equity loan. In fact, the Home Equity Conversion Mortgage (HECM) program is a type of reverse mortgage. This loan program may… [Read More]

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]