Alabama Mortgage Loans
Conventional, FHA, VA, jumbo, HELOC and investor financing for Alabama borrowers — shopped across a wholesale lender network instead of a single bank’s shelf.
Mortgage Lending in Alabama
Andrew Baker is a licensed mortgage loan originator serving Alabama through West Capital Lending, Inc. As a broker rather than a bank, your loan is shopped across a wholesale lender network — so Alabama borrowers are matched to the program and pricing that fit, not to one institution’s product shelf.
Loan Programs Available in Alabama
Conventional Loans
As little as 3% down, with mortgage insurance that drops off at 80% LTV.
FHA Loans
3.5% down at a 580 score, with more forgiving credit guidelines.
VA Loans
$0 down and no monthly mortgage insurance for eligible service members and veterans.
Jumbo Loans
Financing above the conforming limit, shopped across wholesale lenders.
HELOC & Home Equity
Access equity without disturbing your existing first mortgage.
HEI / HEA
Tap equity with no monthly payment and no interest.
Reverse Mortgages
For homeowners 62 and older, with no required monthly mortgage payment.
DSCR Investor Loans
Qualify on the property’s rental income instead of your personal income.
Bank Statement Loans
Qualify on 12 or 24 months of deposits instead of tax returns.
Cities We Serve in Alabama
Licensing & Disclosure
Alabama Mortgage Questions
Is Baker Lending licensed to lend in Alabama?
Yes. Andrew Baker, NMLS 2688601, originates in Alabama through West Capital Lending, Inc., NMLS 1566096. Alabama is one of 33 licensed states — 28 where the full range of loan types is available and 5 limited to investment property loans. Alabama borrowers have access to the full program set.
What loan programs are available in Alabama?
Conventional, FHA, VA, jumbo, HELOC and home equity, HEI/HEA, reverse mortgages, DSCR investor loans, and bank statement loans are all available in Alabama. As a broker with 175+ wholesale lender relationships, Baker Lending can place a file in Alabama with whichever lender's guidelines fit the borrower.
At what loan amount does a mortgage in Alabama become jumbo?
The 2026 baseline conforming limit is $832,750 for a one-unit property in most Alabama counties. Designated high-cost counties run higher, up to a ceiling of $1,249,125. Amounts above your county's limit are financed as jumbo loans. FHA limits in Alabama start at a floor of $541,287 and vary by county.
Where in Alabama does Baker Lending lend?
Baker Lending serves borrowers statewide in Alabama, with dedicated pages for Birmingham, Huntsville, Mobile, Montgomery. Because the process runs by phone, e-sign, and secure upload, location inside the state is not a limitation — any Alabama property address can be financed under the same licensing.
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