Top 4th Quarter Lender Results Revealed

Debra Alford

First Federal, Tuscaloosa

Harris Baker

loanDepot, Montgomery

Zane Broadhead

FirstBank, Birmingham

Tracy Causey

AmeriFirst Financial, Birmingham

Shelly Faulker

Guild Mortgage, Prattville

KC Haririan

Caliber Home Loans, Vestavia

David Keenum

Embrace Home Loans, Mobile

Congratulations to these lenders! We appreciate them closing deals this quarter using AHFA programs to make homeownership more affordable.

Top Participating Lending Company

loanDepot is our Top Participating Lending Company for the 4th quarter of FY22, closing the most home loans this quarter using our homeownership financing options.

We asked loanDepot lenders to describe how AHFA's down payment assistance helps their customers with unexpected home-buying expenses.

"There are often unexpected home-buying expenses that surprise buyers. Whether it’s paying points for a rate or the differing fees charged by title and settlement companies, acquiring down payment assistance through the AHFA is a budget-friendly way to make sure you have enough funds to close."

Ashley Dunson, Hoover

"With the excitement of homeownership, first time homebuyers often don't realize the extras when it comes to expenses. Something as simple as a lawn mower can cost hundreds of dollars! Not to mention appliances, furniture and all the other things it takes to make their first house their own. Fortunately, when they use a lender that partners with AHFA, they are able to afford these items by reducing the expenses often incurred with the homebuying process, including down payment and closing."

Jonathan Robert, Hoover

"I feel like most of my clients are confused about what all is needed at closing. I normally just break it down to my clients that there are 3 things to consider when closing on a home: down payment (depending on what program they qualify for and what they choose), closing costs (depending on how you negotiate your contract and what the seller agrees to pay), and pre-paids (money for your property taxes and homeowners insurance that we use to fund your escrow account). That way they know, if they are short funds to close, they can look at options like AHFA programs to help them with funds needed to close. I feel like the more a buyer can understand about the process the more comfortable they feel about purchasing a home. It’s honestly one of the largest investments most of us have, our homes."

Tonya Golden, Hoover

"Often times, buyers don’t realize there are two financial pieces to homebuying: the first is down payment and the second is closing costs. I would encourage everyone who wants to purchase a home to give me a call. I can explain both of the financial aspects for a smooth transaction. It’s not as scary as it sounds."

Harris Baker, Montgomery

October 5: Assurance Financial, Huntsville

October 5: American Pacific Mortgage, Huntsville

October 6: Huntsville Area Association of Realtors Expo

October 7: Certainty Home Loans, Huntsville

October 12: Alabama Association of Realtors Annual Conference