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Looking for a va loan specialist in Spanish Fort? Review the directory below to compare your options.
8 agents listed
Updated May 2026
Spanish Fort, 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 8 va loan specialists in Spanish Fort, 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.
Advance Mortgage & Investment Company, LLC
30500 State Hwy 181 #460, Spanish Fort, AL 36527
2516213557
PenAir Credit Union – Eastern Shore
10010 Eastern Shore Blvd, Spanish Fort, AL 36527
8505053200
Reliant Mortgage
30941 Mill Ln Suite G-320, Spanish Fort, AL 36527
2254127773
New American Funding - Daphne, AL
30179 Eastern Shore Ct Ste C, Spanish Fort, AL 36527
2512910478
Supreme Lending Spanish Fort
9808 Millwood Cir 1st floor suite c, Spanish Fort, AL 36527
2512065270
Langdon Broughton - Regions Mortgage Loan Officer
6729-M, Spanish Fort Blvd, Spanish Fort, AL 36527
2513621152
DHI Mortgage - Baldwin County
22500 Town Centre Ave Suite 102, Spanish Fort, AL 36527
2513165449
DHI Mortgage
22500 Town Centre Ave Suite 102, Spanish Fort, AL 36527
2513165449
VA loan specialists in Spanish Fort, Alabama help eligible veterans, active duty members, and surviving spouses secure home financing with no down payment. Alabama law does not impose a state income tax on military retirement pay, which can improve affordability for VA borrowers. Local specialists understand Baldwin County market conditions and can guide you through the VA funding fee and residual income requirements specific to Alabama.
What Does a VA Loan Specialist in Spanish Fort Cost?
VA loan specialists in Alabama typically charge an origination fee of 0.5% to 1% of the loan amount. The VA funding fee for first-time use is 2.15% for regular military and 2.4% for Reserve or National Guard, but this fee can be financed into the loan. Appraisal fees in Baldwin County range from $500 to $700. Some lenders may charge additional processing or underwriting fees of $300 to $500. Costs vary by lender and loan amount. 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 does a VA loan specialist in Spanish Fort do?
A VA loan specialist assists with the VA home loan process from pre-approval to closing. They help verify your Certificate of Eligibility and ensure the property meets VA minimum property requirements in Baldwin County.
Are there Alabama-specific rules for VA loans?
Yes, Alabama exempts military retirement pay from state income tax, which can increase your qualifying income. Also, Alabama law requires a licensed mortgage loan originator to handle VA loans in the state.
How long does the VA loan process take in Spanish Fort?
The VA loan process typically takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs to meet VA standards or if appraisal volume is high in the Spanish Fort area.
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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.