MENU SIGN IN Mortgage Lending From first time homebuyers, relocation purchases to refinancing your current mortgage, our Mortgage Professionals will find the product that meets your individual needs. Perhaps, that's why homeowners feel so settled in once they find us. SKIP TO SECTION Mortgage Lending Once you've found it, you know you're home. Our mortgage loans are the same way. At ServisFirst Bank we offer an extensive range of mortgage products that are as varied as our clients' taste in homes. Each product offers a competitive rate along with exceptional service from our experienced Mortgage Professionals. From first time homebuyers, relocation purchases to refinancing your current mortgage, our Mortgage Professionals will find the product that meets your individual needs. Perhaps, that's why homeowners feel so settled in once they find us. LEARN MORE Online Payments ONLINE PAYMENTS Contact Our Mortgage Division Birmingham Kary Keasler VP Mortgage Loan Officer NMLS ID: 460990 kkeasler@servisfirstbank.com T: 205.578.4621 F: 205.578.4622 2500 Woodcrest Place Birmingham, Alabama 35209 CLICK HERE TO APPLY ONLINE! Marshal Worthington SVP, Mortgage Division Manager NMLS ID: 448200 mw@servisfirstbank.com T: 205.949.0350 F: 205.949.1174 Toll Free 866.438.3281 2500 Woodcrest Place Birmingham, Alabama 35209 Carey Shirah VP Mortgage Loan Officer NMLS ID: 1313615 cshirah@servisfirstbank.com T: 205.423.2702 F: 205.578.4682 2500 Woodcrest Place Birmingham, Alabama 35209 CLICK HERE TO APPLY ONLINE! Julien Willoughby Mortgage Loan Officer NMLS ID: 1910769 JWilloughby@servisfirstbank.com T: 205.578.4615 F: 205.756.4567 2500 Woodcrest Place Birmingham, Alabama 35209 CLICK HERE TO APPLY ONLINE! Meredith Lockerman Vice President, Mortgage Lending NMLS ID: 776277 ML@servisfirstbank.com T: 205.949.2217 F: 205.832.8573 2500 Woodcrest Place Birmingham, Alabama 35209 CLICK HERE TO APPLY ONLINE! Charleston Janice Burns Mortgage Loan Officer NMLS ID: 241788 jburns@servisfirstbank.com T: 843.414.3919 F: 843.414.3901 701 East Bay Street, Suite 503 Charleston, SC 29403 CLICK HERE TO APPLY ONLINE! Dothan Angie Deese VP Mortgage Loan Officer NMLS ID: 776256 adeese@servisfirstbank.com T: 334.340.4325 F: 334.340.4367 4801 West Main Street Dothan, Alabama 36305 CLICK HERE TO APPLY ONLINE! Huntsville Cindy LeBlanc VP Mortgage Loan Officer NMLS ID: 776271 cleblanc@servisfirstbank.com T: 256.722.7821 F: 256.722.7881 401 Meridian Street Suite 100 Huntsville, Alabama 35801 CLICK HERE TO APPLY ONLINE! Mobile Beth Cazalas VP Mortgage Loan Officer NMLS ID: 1058873 bcazalas@servisfirstbank.com T: 251.544.6922 561 Fairhope Ave, Suite 101 Fairhope, AL 36532 CLICK HERE TO APPLY ONLINE! Anna Maria Mazzarella VP Mortgage Loan Officer NMLS ID: 413294 am@servisfirstbank.com T: 251.544.6955 F: 251.544.6975 2 North Royal Street Mobile, AL 36602 CLICK HERE TO APPLY ONLINE! Montgomery Erin Jackson Mortgage Loan Officer NMLS ID: 1183614 ejackson@servisfirstbank.com T: 334.223.5815 F: 334.460.9815 One Commerce Street, Suite 200 Montgomery, AL 36104 CLICK HERE TO APPLY ONLINE! Pensacola Jack Noyes Mortgage Loan Officer NMLS ID: 1837699 JNoyes@servisfirstbank.com T: 850.266.9192 219 E. Garden Street Pensacola, FL 32502 CLICK HERE TO APPLY ONLINE! Tampa Candace Blackburn Mortgage Loan Officer NMLS ID: 2017602 CBlackburn@servisfirstbank.com T: 813.751.0848 4221 W. Boy Scout Blvd. Tampa, FL 33607 CLICK HERE TO APPLY ONLINE! Product Information Conventional Fixed Rate Mortgages This is a loan that features a fixed rate for the life of the loan. These loans are available with a variety of terms, available in Conforming and Non-Conforming loan amounts. Adjustable Rate Mortgage Loans (ARMs) This mortgage features simple interest with an adjustable rate term. This loan type is typically helpful for those borrowers who anticipate only being in a home for a short period of time. Federal Housing Administration Mortgage Loans (FHA) This mortgage is federally insured by The Department of Housing and Urban Development. It is designed for first time homebuyers who require a small down payment and higher debt to income qualifications. This loan features the ability to finance your closing costs into the loan. Non-Conforming (Jumbo) Mortgage Loans This mortgage is designed for those borrowers needing to borrow more than $510,400. These loans are available in Fixed Rate, Interest Only and ARM terms. Veterans Administration Mortgage Loans (VA) This loan program is available from the Department of Veteran Affairs. It is designed to serve the needs of Veterans and allows 100% financing if needed. This borrower must have a valid Certificate of Eligibility to obtain a VA mortgage. Affordable Housing/Low Income Program Mortgage Loans ServisFirst Bank works hard to ensure all borrowers receive the opportunity of homeownership. We have many programs for low- or moderate-income borrowers. Most loans offer little down payment and flexible credit requirements. The Consumer Finance Protection Bureau requires the following two booklets be provided to any consumers making mortgage application. SETTLEMENT COST BOOKLET CHARM BOOKLET Frequently Asked Questions What's in a number? A lot, if you’re talking about your credit score. Lenders evaluate your ability to repay a loan based on your score. A well-known score is the FICO score (named for Fair Isaac Corporation which developed it), which uses a formula to calculate a single value to indicate creditworthiness and determine the risk involved in extending credit. Credit bureaus use different scoring systems, which range numerically from the 300s to about 900. The higher your score, the better chance you have of getting better terms for credit extended. What determins a credit score? Basically 5 factors determine your score – Past delinquencies The way you use your credit (usually running high balances versus keeping low balances that are paid in full monthly) Age of the credit file The number of inquiries on your credit file Your mix of credit (consumers with secured cards generally pose more risk than someone with a mix of installment loans and/or revolving lines) What steps should I take to apply for a loan? Review your personal credit file to determine your score and whether any accounts are reported which are not yours. Contact the credit reporting agency immediately to begin clearing up any incorrect information. Gather receipts or other documentation you may need to prove that a debt shown on your report is not yours. Carefully review your finances to determine how much you can afford to pay each month for the credit you will be requesting. Check available rates for the type of loan you want, i.e., car loan, home equity line of credit, boat loan, mortgage loan, etc. A ServisFirst Bank representative can help with this process. Begin gathering documents required for the application process – W2s, tax returns, bank statements, etc. A ServisFirst Bank lending professional can guide you as to what is generally required. You’re ready to begin the application process! A little preparation can help the application process flow more smoothly. Take an active role in the loan process – you’ll be glad you spent the time up front. 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