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Looking for a mortgage lender in Athens? Review the directory below to compare your options.
15 agents listed
Updated May 2026
Athens, AL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Alabama before hiring.
Showing 15 mortgage lenders in Athens, AL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Liberty Finance of Athens
800 US Hwy 72 W J, Athens, AL 35611
2562326323
Sun Loan Company
800 US Hwy 72 W Ste I, Athens, AL 35611
2567717999
World Finance
617 US Hwy 72 W, Athens, AL 35611
2562326636
LendNation
211 US-31, Athens, AL 35611
2567712005
Tower Loan
639 US Hwy 72 W, Athens, AL 35611
2562626838
Athens Finance
709 Hobbs St E, Athens, AL 35611
2562306764
1st Franklin Financial
22083 US-72 Suite Q, Athens, AL 35613
2562334200
Security Finance
600 S Jefferson St G, Athens, AL 35611
2567712903
Courtesy First Home Lenders
110 N Marion St, Athens, AL 35611
2562160202
First State Loans of Athens Inc
622 S Jefferson St, Athens, AL 35611
2562323800
Alabama Farm Credit- Athens
26243 US-72, Athens, AL 35613
2562320344
Synovus Mortgage
301 W Washington St, Athens, AL 35611
2567747031
Home Mortgage of America Inc
101 Cloverleaf Dr, Athens, AL 35611
2562301151
PNC Mortgage
1044 US Hwy 72 E, Athens, AL 35611
2562301000
Amy Osborne - Regions Mortgage Loan Officer
1101 US Hwy 72 E, Athens, AL 35611
2565356946
Mortgage lenders in Athens Alabama help home buyers and homeowners secure financing for residential properties. Alabama law requires lenders to be licensed through the Alabama State Banking Department and follow state regulations on interest rates and disclosures. Local lenders understand the Athens real estate market and can guide you through conventional FHA or VA loan options.
What Does a Mortgage Lender in Athens Cost?
Typical costs for a mortgage lender in Alabama include an origination fee of 0.5 to 1 percent of the loan amount. Appraisal fees range from 400 to 700 dollars. Title insurance and closing costs add 2 to 5 percent of the purchase price. Alabama does not have a state mortgage tax but recording fees apply. Costs vary by loan type and lender. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Athens Alabama?
You typically need pay stubs tax returns bank statements and a valid ID. Alabama lenders also require a credit report and proof of employment. Self employed borrowers may need additional tax documents.
How long does the mortgage process take in Alabama?
The average mortgage process in Alabama takes 30 to 45 days from application to closing. Alabama law requires a three day right of rescission for refinances but not for purchase loans. Delays can occur if appraisals or title work take longer.
Are there special mortgage programs for first time buyers in Alabama?
Yes the Alabama Housing Finance Authority offers the Step Up program with down payment assistance for first time buyers. There are also FHA loans which require a 3.5 percent down payment and USDA loans for rural areas like parts of Limestone County.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Alabama.