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THE RATE YOU NEED

Help your money grow faster with competitive rates–up to 5% on select accounts.

SEE OUR RATES

NEW WAY TO SAVE

Round up any debit card purchases to the next whole dollar and transfer the amount in excess to your Incentive Savings account. 

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HOME LOANS

All Kinds of Home Loans. One Kind of Rate.

Mortgage Loans

Whether buying your first home, refinancing, making renovations, or putting equity to good use, our competitive loans will capture your interest.

When you finance or refinance your home with Legacy, not only are you getting a low-interest rate, your money stays right here in our community. So when we help you purchase a home, we’re helping make our community a better place to live.

If you’re looking to finance or refinance your home, the Legacy Mortgage Lending Team can customize your mortgage and guide you through the entire process. Contact one of our team members below with specific questions, to discuss which type of loan fits your needs, and to get pre-qualified for a loan.

APPLY NOW SEE OUR RATES

H. Jean Hurns

NMLS# 1737224
Mortgage Loan Officer
(205) 930-5040

Raven Crumbley

NMLS# 1833267
Mortgage Loan Officer
(205) 930-5038

Call one of our loan officers or apply online.

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First Mortgage Loan


Our mortgage officers are here to guide you through the home buying process.

  • We’ll help you secure the best annual percentage rate (APR) possible.
  • Apply Online
  • 10, 15, 20 & 30 Year Terms
  • Origination Fees: 1.00% of Loan Amount
  • Low Fees
APPLY NOW LEARN MORE ABOUT OUR FIRST TIME HOME BUYER PROGRAM
A couple in their 50's moves in to their new home, unpacking boxes and enjoying the time together.  Could also depict moving out of a home.

Home Equity Loan


  • Non-Conforming Loans
  • For Accessing Available Equity
  • 5, 7, & 10 Year Terms
  • Limited Fees
APPLY NOW LEARN MORE ABOUT HOME EQUITY LOANS

Home Equity Line of Credit Loan (HELOC)


  • Use the equity in your home to secure a line of credit from $10,000 up to $100,000
  • Minimal closing costs
  • Payments of $15 per $1,000
  • Advances made by checks
LEARN MORE ABOUT HELOC LOANS
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U.S. Government Housing Loans


  • FHA Loans
  • VA Loans
  • USDA Loans
APPLY NOW

5 Year Adjustable-Rate Mortgage (ARM)


Get a lower rate and payment to kickstart your home loan.

  • Available for Purchase or Refinance
  • No Origination Fees
  • Finance up to 95% of Home Value
  • Ideal for short-term ownership
APPLY NOW LEARN MORE ABOUT ARMS

Construction Loans


Let us help you build your dream home.

  • Receive funds at key stages of your build
  • Simply send your invoice to us and we’ll pay your contractors directly
  • Up to 80% financing
  • No maximum loan amount
APPLY NOW LEARN MORE ABOUT CONSTRUCTION LOANS
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Refinance


Change your term, access your equity, and even lower your rate!

  • Get a shorter term to be mortgage-free faster, or a longer term for lower payments.
  • Switch your fixed-rate or ARM mortgage type.
  • You might be able to reduce your rate.
APPLY NOW LEARN MORE ABOUT REFINANCING
A couple is smiling while they see how much they can save with a mortgage refinance.

Call one of our loan officers or apply online.

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