A mortgage broker works on your behalf to find and arrange the right loan, rather than offering only the products of a single institution. We take the time to understand your goals and finances, then guide you to a financing solution that fits. As an education-based company, our focus is on helping you understand every step — not just closing a deal. Mortgage loans may be arranged through third-party providers.

Pre-qualification is quick and gives you a clear picture of what you can afford. The easiest way to start is to complete our short questionnaire or request a quote. We’ll review your information and discuss your options with you — no obligation.

Pre-qualification is an initial estimate of what you may be able to borrow, based on information you provide. Pre-approval is a stronger step: we verify your financial details and documentation so you can shop with a clear budget and show sellers you’re a serious buyer. We’ll help you move from one to the other when you’re ready.

It depends on the loan program. Some options require very little — and VA and USDA loans may allow eligible buyers to purchase with $0 down. Conventional and FHA loans typically call for a smaller percentage than many people expect. We’ll walk you through low down payment options and help you find the best fit.

There’s no single answer — different programs have different guidelines, and government-backed loans like FHA often allow more flexible credit profiles than conventional loans. Rather than rule yourself out, let us review your situation. We’ll tell you where you stand and, if needed, suggest steps to strengthen your position. All loans are subject to credit approval.

We offer a full range of programs, including fixed-rate mortgages, FHA, VA, USDA, and jumbo loans, plus first-time buyer programs, investment property loans, and refinancing. See them all on our loan options page.

An FHA loan is a government-insured mortgage that offers flexible qualifying guidelines, which can make it a strong choice for first-time buyers or anyone who wants a lower down payment and more flexible credit requirements. We’ll help you compare it against other programs to see if it’s right for you.

VA loans are available to eligible veterans, active-duty service members, and certain military spouses. They offer flexible terms and may allow qualified buyers to purchase a home with $0 down. If you or your spouse has served, let us know — we’ll help confirm your eligibility and benefits.

A USDA loan lets eligible buyers purchase a home with no money down in certain rural and suburban areas. It’s a great option if you’re buying outside a major metro and meet the program’s location and income guidelines. We can quickly check whether a property qualifies.

Yes. We offer mortgage programs for both vacation homes and investment properties. Whether you’re a first-time investor or growing a portfolio, we’ll help structure financing that supports your goals.

Refinancing may make sense if you want to lower your monthly payment, secure a different rate or term, or tap into your home’s equity. The right timing depends on your goals and current market conditions. We’ll run the numbers with you so you can decide with confidence — start with our mortgage calculator or learn more about refinancing.

Timelines vary based on the loan type, your documentation, and the details of your transaction. We pride ourselves on excellent communication and keeping things moving — our goal is to close on time and keep you informed at every step. We’ll give you a realistic timeline once we review your specifics.

Most applications call for items such as recent pay stubs, W-2s or tax returns, bank statements, and a government-issued ID. Requirements vary by loan program and situation. Once we understand your goals, we’ll give you a clear, personalized checklist so nothing slows you down.

Beyond the down payment, a home purchase typically includes closing costs — things like appraisal, title, and lender fees, plus prepaid items such as taxes and insurance. We believe in transparency, so we’ll explain every cost up front and answer any question along the way.

A mortgage application generally involves a credit check, which can have a small, temporary effect on your score. Getting pre-qualified is a smart early step and helps you shop with confidence. We’re happy to explain exactly what to expect before anything happens.

We’re your local mortgage resource, based at 3644 Vann Rd, Suite 132, Birmingham, AL 35235. We work with buyers and homeowners throughout the area. Reach us any time at (205) 508-3958 or through our contact page.

Integrity Mortgage Brokers, LLC was founded in September 2022 by Barry Logan and Kyle Terry, who together bring over 30 years of mortgage experience. They built the company on a simple principle: always do the right thing for clients, no matter the situation or cost. Meet the full team on our team page.

You have a few easy options: request a free quote, apply online, or simply reach out to our team. We’ll listen to your story and guide you from there — our goal is to make you a customer for life.

Yes. We take the privacy and security of your information seriously and handle it in line with our privacy policy. Our site uses secure, encrypted connections to help protect the details you share with us.