Mortgage Banking

Find the best way home from where you are. Start the process today by connecting with a local mortgage originator.

Lender Connect >

Your Dream Mortgage. And Its Many
Windows Of Opportunity.

From the time you hammered together a treehouse or built a blanket-tent in your living room, you’ve dreamed of closing the door on a place that was truly yours. Merchants Bank offers more ways to get in the door of your perfect home from where you are right now in your life with local mortgages designed with your needs in mind. Whether you are buying a house, want to downsize for more freedom, or add-on for more room, we have the home loan and mortgage lending products that fits your budget and your vision. We can even help you turn your home into a window of opportunity to make improvements, fund college or consolidate debt.

Local Mortgage Lenders Who Answer To You

Our mortgage products come with more than competitive rates and terms. They come with the big advantage of a local Alabama mortgage lender. Your hometown lender has the power to make sure your loan is the right fit and the knowledge to make you at ease through the entire process. Once you move in there’s no need to move on to a new bank. You can refinance, capitalize on your equity or build your lake house with the lender you’ve built a great relationship with.

Ready To Get Started With A Local Lender?

For assistance with a mortgage or home loan, contact Michelle Kimbrough at 256-734-8110 or Or click here to begin your first steps toward the pre-qualification process >

Mortgage Loans That Open The Door To Your Home, and Unlock Its Potential

USDA Rural Development Guaranteed Loan – 100% Financing

A fixed-rate home mortgage program that does not require a down payment if you are purchasing in an eligible rural area. Income limitations apply.

Conventional Mortgages

Conventional Mortgages are fixed-rate loans requiring a minimum 5% down payment.

Federal Housing Authority (FHA) Mortgages

Insured by the Federal Housing Authority, FHA loan interest rates are also fixed and require at least a 3.5% down payment.

Veterans Administration (VA) Mortgages

These fixed-rate loans are available to veterans of the U.S. Military and their qualifying surviving spouse.

New Construction Loans

Whether building a home or making improvements, we have a lending product that fits. Our new construction loans feature competitive rates, unlimited draws and a local mortgage lender you can lean on during the building process. You can also get approved up front for both your construction loan and your permanent loan and if Merchants Bank finances both loans, you save on closing costs.

Home Equity Loans

Put the equity in your home to work on your goals. These home loans are perfect for debt consolidation or any time you need a specific amount of money in one lump sum.

Home Equity Line of Credit

Get cash for home improvements, college tuition, even crossing more things off your bucket list. A pre-established Home Equity Line of Credit makes borrowing money as easy as writing a check and gives new meaning to dream home.

For assistance with a mortgage or home loan, contact Michelle Kimbrough at 256-734-8110.

Escrows may be required on all of these loans. Other terms and conditions may apply.



Merchants Bank

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