Get Personalized Mortgage Consultation for your unique scenario.
The Knox Mortgage Team provides personalized mortgage solutions for borrowers who want to purchase a home, refinance their current loan, or refinance to consolidate debt. Loan programs include Conventional, FHA, VA, and USDA. We also offer non-traditional lending options including investment property financing, bank statement loans, DSCR loans, and Reverse Mortgage.
Comprehensive Mortgage Solutions with Expert Guidance
Our mortgage expertise, transparency, and consultative approach allow our clients to make informed financial decisions and have stress-free transactions.
We offer flexible borrower interaction, including being available evenings and weekends for busy families. We offer a vast array of loan options and competitive rates. Although we are licensed in more than ten states, our offices are located near Hoover, AL, Greystone, AL, Birmingham, AL, Chelsea, AL, Vestavia Hills, AL, Mill Creek, WA, Bothell, WA, Snohomish, WA markets. We patiently guide our clients through every step with professional, friendly, and excellent customer service.
Read Our Comprehensive Mortgage Guide
Unlock the secrets to successful home buying with our expertly crafted guide. Discover the immense value of personalized mortgage solutions and seize the opportunity to make informed decisions.
Read Our Guide NowFlexible Loan Options
Our experienced mortgage broker in Hoover provides flexible loan options to accommodate various borrower profiles and financial situations. We assist first-time homebuyers, families upgrading to a larger home, veterans, and seniors seeking cash flow solutions through a reverse mortgage.
We offer the following loan types:
- FHA Loans – As little as 3.5% down
- VA and USDA Loans – Zero down payment options
- Conventional Loans – As little as 3% down
- Jumbo Loans – For higher-priced properties
- Investor Loans:
- Debt Service Coverage Ratio (DSCR) Loans – Based on rental income
- Bank Statement Loans – Qualifying with bank deposits instead of tax returns
- Asset Depletion Loans – Using assets as income for qualification
- Reverse Mortgages – Available for borrowers over the age of 62
Unsure which loan program suits your needs? Contact us via phone, email, or chat to discuss the best loan options tailored to your unique situation.
Trust and Transparency in Every Step
The Knox Mortgage Team, prioritizes excellent service, communication and transparency in every aspect of our mortgage services.
Our team is dedicated to ensuring you fully understand the mortgage process, offering clear communication and professional advice at every stage.
With offices in Alabama and Washington, and also licensed in AZ, CA, ID, IM, FL, TX, CO and OR, we are committed to making your home-buying journey as smooth and stress-free as possible.
Local Market Expertise
At Knox Mortgage Team, we offer unparalleled local market mortgage expertise for buyers, refinance, and reverse mortgage clients .
We understand the unique challenges of the current real estate market and provide personalized service tailored to your best interests. For example, we fully underwrite and preapprove our clients, allowing them to make strong offers with quick closings—especially in competitive multiple-offer situations. We are in constant dialog with Real Estate Agents, Financial Planners, and Real Estate Attorneys to maintain local insights that we factor into your loan scenario and solution.
We prepare our clients with knowledge and confidence as they enter into one of the biggest financial decisions of their life; buying a house and taking out a mortgage on that home.
We provide our clients with regular interest rate market updates so they know when to lock their rate versus float their rate. This means we help them shop for the best rate for the lowest fees for their mortgage.
Reviews
“Knox Mortgage Team made our home buying process seamless. Their flexible loan options were exactly what we needed as first-time homebuyers.”
- Sarah J., Hoover, AL
"We were impressed by the personalized service we received. The Knox Mortgage Team truly understands the needs of first-time homebuyers and offers flexible mortgage options."
- John, Birmingham, AL
"Thanks to the Knox Mortgage Team's guidance, we secured a mortgage that fit our family's needs perfectly. Their expertise in the Washington State market was invaluable."
- Emily, Bothell, WA
Knox Mortgage Team offers comprehensive mortgage solutions, including refinance mortgages, first-time buyer mortgages, home equity loans, reverse mortgages, and more, in Mill Creek, Snohomish, Bothell, Greystone, Birmingham, North Birmingham, Chelsea Park, Chelsea, Vestavia Hills, Shelby COunty, Jefferson COunty, Snohomish County, King County and the surrounding areas.
