Serving Alabama, Tennessee, & Florida

 North Alabama Mortgage was formed in 2006 to be a small, local mortgage company.  All coming from corporate America, our initial employees were determined to provide a better and more personalized experience for our clients than what corporate America could provide.  With a focus on building relationships and treating clients like family, we quickly became known for our warm, personalized service. Word spread, and what started as a small, local mortgage company began to grow.

With demand growing beyond our local community, we expanded to serve the entire state of Alabama—adding “Serving All of AL” to our name to reflect that reach. But soon, we outgrew even that. Clients in Tennessee and Florida began turning to us, and our evolution into 20/20 Mortgage began.

Today, we proudly serve homebuyers and homeowners across Alabama, Tennessee, and Florida, helping people purchase, refinance, and build a future with confidence.

From two original team members in 2006 to over thirty today, our growth has always been intentional—and personal. We’ve never posted a “Now Hiring” ad. Every member of the North Alabama Mortgage – 20/20 Mortgage family was hand-picked because we knew they shared our values, drive, and commitment to doing the right thing.

It’s that culture—a mix of energy, integrity, and heart—that keeps our clients coming back and referring their friends, family, and co-workers.

Grow Your Business with a Lender Who’s Got Your Back

At North Alabama Mortgage - 20/20 Mortgage, we’re committed to empowering our Partnered Realtors with the tools, support, and service they need to thrive. When you work with us, you’re not just sending your clients to a lender—you’re teaming up with a dedicated partner who’s focused on helping YOU grow YOUR business.

What We Offer Our Realtor Partners:

✅ 7-Days a Week Pre-Approvals

Need a pre-approval letter on a Saturday or Sunday? We’ve got you. We’re available 7 days a week to help you keep momentum going.

✅ Direct Communication

Stay in the loop with real-time updates and direct access to both your buyer's Loan Originator and Processor.

✅ Flexible Loan Options

From first-time buyers to unique scenarios, our wide range of Loan Products help you get deals done—fast.

✅ Customizable Loan Terms

In addition to our vast range of Loan Products, we can offer your clients loan terms from 8 to 30 years, with flexible rate locks from 8 to 90 days to fit every situation.

✅ Marketing Materials

Need a flyer or social post? We've got in-house marketing that can turn around clean, professional materials fast—just tell us what you need!

✅ Fast Closings

We know timing is everything. Our mission is simple: close on time, every time—and make you look great in the process.

Let’s Build Something Great—Together

If You Need a Loan, We've Got You Covered

Whether you're buying your first home, refinancing, or investing in real estate, we offer a wide range of loan solutions tailored to your unique goals.

Loan Purposes

We offer financing for a variety of needs, including:

• Home Purchase
• Refinance
• Primary Residence
• Second Home
• Investment Properties
• New Construction
• Land Purchases

Traditional Loan Options

Tried-and-true solutions with competitive rates:

• Conventional Loans
• FHA Loans & FHA Streamline
• VA Loans & VA IRRRL
• USDA Loans
• Jumbo Loans
• Temporary Rate Buydowns
• Adjustable Rate Mortgages (ARMs)
• HELOC (Home Equity Line of Credit)

Special Programs

Designed to make homeownership more accessible:

• First-Time Home Buyer Programs
• Down Payment Assistance
• HomeReady® by Fannie Mae
• Home Possible® by Freddie Mac
•  BorrowSmart® by Freddie Mac
• Bridge Loans
• Renovation

Non-QM & Alternative Lending

Flexible solutions for unique financial situations:

• Bank Statement Loans
• DSCR (Debt Service Coverage Ratio) Loans
• Asset-Based Income Loans
• Foreign National Loans
• Non-Warrantable Condos & Condotels
• Fix & Flip 
• No W-2 or Tax Returns Required
• No Credit Score Needed
• 1–2  Year Profit & Loss (P&L) Statements
• 1099-Only Income
• ITIN Loans
• And More!