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Your Logical Choice

For over three decades, MortgageAmerica, Inc. (formerly Home Mortgage of America, Inc.) has been committed to providing top-level service to our customers and referral partners. From our corporate offices in Birmingham, to our branch locations across Alabama and Florida, we are proud to say we live where we lend. At MortgageAmerica, Inc., we are dedicated to helping you find the best loan product for your needs. Whether it's Conventional, FHA, VA, USDA, Jumbo, or Down Payment Assistance Loans, we will guide you through every step of the process.

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Home Purchase
Home Refinance

Loan Programs to Fit Your Needs

Conventional Fixed Rate Mortgages (FRM)

Ideal for borrowers with a steady income and sufficient down payment, borrowers pay the same monthly payment amount (principal and interest payments) over loan’s lifetime. 30-year and 15-year fixed available.

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Conventional Adjustable-Rate Mortgages (ARM)

This type of mortgage carries a fixed rate for a set period of time before adjusting, depending on current market conditions.

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FHA Loans

Good option for first-time homebuyers who may not have saved enough for a large down payment; or have suffered from bankruptcy or foreclosures may qualify for an FHA-backed mortgage.(Insured by the Federal...

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VA Loans

Designed for military veterans, VA loans are mortgages guaranteed by the Department of Veteran Affairs, offering exceptional benefits, including low interest rates and no down payment requirement.

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Jumbo Loans

A loan which is larger than the limits set by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. Because jumbo loans cannot be funded by these two agencies, they usual...

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Non-QM Loans

Ideal for independent workers, 1099 contractors, or self-employers, this type of mortgage loan allows borrowers to qualify based on alternative methods such as bank statements or assets as collateral, instead...

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Down Payment Assistance Program

Down payment assistance (DPA) helps homebuyers with grants or low-interest loans that reduce the amount they need to save for a down payment. There are many DPA programs nationwide and each state, county...

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USDA Loans

Low-interest mortgages with zero down payments designed for low-income Americans who don’t have good enough credit to qualify for traditional mortgages. USDA Loans are also required to buy homes in a...

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Explore All Loan Options

Can’t find the loan that fits your needs? Let us help!

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