Mortgage loans in Alabama
Justin Mackler is licensed to originate home loans in Alabama. Here is how a Alabama loan works with him, which programs are available, and a few state rules worth knowing.
How a Alabama loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a Alabama title or closing professional handle the appraisal and title work.
- Closings take place in Alabama with a local title company, closing attorney, or settlement agent, as state rules require.
Loan programs available in Alabama
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
AHFA's Step Up program pairs a fixed-rate first mortgage with a down payment assistance second loan for moderate-income buyers, subject to eligibility and use of a participating lender. Alabama Housing Finance Authority (AHFA)
Alabama details to know
- Alabama charges a recording tax on mortgages of $0.15 per $100 of indebtedness and a deed tax of $0.50 per $500 of value. Source: Alabama Department of Revenue: Recordation Tax
- Step Up down payment assistance is structured as a second mortgage combined with an AHFA first mortgage and requires a homebuyer education course. Source: AHFA: Step Up
- For 2026, every county in Alabama uses FHFA's baseline one-unit conforming loan limit of $832,750, with no high-cost county adjustments. Source: FHFA 2026 county loan limit list
Last reviewed 2026-10-29.
Tell Justin about your Alabama purchase or refinance and he will follow up with real options.
Alabama mortgage questions
Can Justin Mackler help with a mortgage in Alabama?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in Alabama through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in Alabama?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in Alabama with a local title company, closing attorney or settlement agent, as state rules require.
What recording taxes apply to a mortgage in Alabama?
Alabama's mortgage recording tax is $0.15 per $100 of the loan amount. Deeds carry a separate tax of $0.50 per $500 of value. Both are collected when documents are recorded with the county.
Does Alabama have a down payment assistance program?
Yes. AHFA's Step Up program offers down payment help as a second mortgage alongside an AHFA first mortgage, subject to income, credit and other eligibility rules. Homebuyer education is required.
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