Alabama
Your Birmingham lender
lives in Hoover.
The Knox family is based in Greystone. Aubrea McNamara, NMLS #1842646, originates every Alabama loan on the team, with 23-year veteran Steve Knox reviewing each file. Preapproval letters that listing agents in Mountain Brook and Vestavia already trust.
Where We Lend
Central Alabama,
and the lakes.
Birmingham · Hoover · Mountain Brook · Vestavia Hills · Homewood · Greystone · Liberty Park · Trussville · Chelsea · Lake Martin · Smith Lake · and the rest of Alabama
Alabama Loans We Do Well
The files that
need experience.
Jumbo purchases over the conforming limit.
Mountain Brook, Vestavia, Greystone, and lake homes routinely price above Fannie and Freddie limits. We structure jumbo files daily and know which investors want which borrowers.
Self-employed and bank-statement qualifying.
Physicians, attorneys, contractors, and business owners whose tax returns understate what they earn. We qualify on 12 or 24 months of bank statements when returns don't tell the story.
Second homes on Lake Martin and Smith Lake.
Second-home and investor financing, including DSCR loans that qualify on the property's rental income.
Retirees qualifying on assets.
Asset-depletion programs that turn retirement and brokerage balances into qualifying income without liquidating them.
VA loans.
Zero down for Alabama veterans and service members, with no monthly mortgage insurance.
The Knox Commitment
Five things we promise.
In writing.
01
A real preapproval in five days.
Within five business days of deciding to work with us, your file has been reviewed by an underwriter, not just run through software. Your letter means something to a seller because the hard questions were already asked.
02
A fresh letter for every offer.
Each time you write an offer, you get a letter tailored to that price and that property. Then we call the listing agent ourselves, so they hear from a lender who has already seen your file.
03
Evenings and weekends.
Houses go under contract on Sunday afternoons. We answer on Sunday afternoons.
04
Two people who know your file.
Steve and Aubrea work every loan together. If one is in a closing, the other picks up. You will never hear "she's out today, can I take a message."
05
The number before the commitment.
Rate, fees, and payment in plain language before you sign anything. If a smaller loan or a different program serves you better, we say so.
Thirty-plus years of combined experience. Thousands of closings. One phone number that gets answered.
Talk to Aubrea today. She'll call back tonight if she has to.
Alabama loans originated by Aubrea McNamara, NMLS #1842646, Canopy Mortgage, LLC, NMLS #1359687. Steve Knox, NMLS #107021, is licensed in Washington and is not licensed to originate in Alabama.