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Compare mortgage lenders in Gardendale. Review contact information and insurance categorys before you decide.
9 agents listed
Updated May 2026
Gardendale, 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 9 mortgage lenders in Gardendale, 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.
U.S. Title Loans
1224 Decatur Hwy, Gardendale, AL 35071
2056310996
World Finance
439 Fieldstown Rd #121, Gardendale, AL 35071
2056083770
Credit Central
1084 Main St, Gardendale, AL 35071
2056312449
OneMain Financial
1082 Main St Ste 101 & 103, Gardendale, AL 35071
2056315214
Regional Finance
841 Odum Rd Suite 105, Gardendale, AL 35071
2056080676
Family Security Credit Union
951 Odum Rd, Gardendale, AL 35071
2056311031
Republic Finance
655 Fieldstown Rd Suite 101, Gardendale, AL 35071
2056081525
The Hutson Company
1244 Main St, Gardendale, AL 35071
2056316562
Axxessfi Gardendale
1413 Thompson Cir # 3, Gardendale, AL 35071
6592132907
Mortgage lenders in Gardendale Alabama help home buyers and homeowners secure financing for residential properties. These professionals guide you through loan options including conventional FHA and VA loans. Alabama law requires lenders to be licensed with the Alabama Banking Department and follow state specific regulations for mortgage origination.
What Does a Mortgage Lender in Gardendale Cost?
Typical costs for a mortgage lender in Alabama include an origination fee of 0.5% to 1% of the loan amount appraisal fees of $400 to $700 and title insurance costs of $500 to $1,500. Closing costs in Alabama usually range from 2% to 5% of the purchase price. These costs vary by loan type property value 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 Gardendale?
You typically need pay stubs tax returns bank statements and photo identification. Alabama lenders also require a valid Social Security number and proof of residency. The exact list depends on your loan type and lender requirements.
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 most refinances after closing. Delays can occur if additional documentation is needed.
Are there first time home buyer programs in Gardendale Alabama?
Yes the Alabama Housing Finance Authority offers the Step Up program for first time buyers with down payment assistance. Gardendale residents may also qualify for FHA loans which require a lower down payment. Local lenders can explain eligibility requirements for these programs.
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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.