42 search results for conventional loans

Unlock Homeownership Dreams: Bank Statement Loans for the Self-Employed Article

Do you dream of owning a home, but your income fluctuates, or tax deductions leave your tax returns unrepresentative of your true earning power? If you're self-employed, this can be a major hurdle in the traditional mortgage process. However, we ...

More Homebuying Power Is Available Today Article

The housing market has changed significantly over the past several years. Rising home values, competitive markets, and evolving borrower needs have made financing flexibility more important than ever. For many buyers, finding the right home is only p...

9 Ways to Save for a Down Payment Article

For many, saving enough for a down payment is the hardest obstacle to overcome while trying to achieve the dream of homeownership. But with a few clever tricks and some dedication, you’ll be on the path towards homeownership.If you’re aim...

What Is The Mortgage Process? Page

The mortgage process is the series of steps that take you from exploring a home loan to signing at closing. It lays out what lenders typically request and when they request it, so you can prepare the right documents at the right time.This process inv...

What Determines your Mortgage Interest Rate? Article

You might have noticed that interest rates have been advertised as “historically low” lately, and that you should secure your rate before they go up.  But what exactly causes interest rates to fluctuate? We spoke with Mario...

Marisa Morgan Contact

Mortgage Loan Officer

Marisa Morgan Contact

Mortgage Loan Officer

Build Your Dream Home with a Construction Loan Article

Whether you’re struggling to find a home that fits your needs, or you’re finally ready to build your forever home, our construction specialists will help you build your dream home on a strong foundation. With a variety of construction pro...

VA and FHA Cut Costs for Home Buyers Article

Huge news for home buyers! The FHA and VA recently reduced their Mortgage Insurance Premium and Funding Fee, respectively. This will help FHA and VA home buyers save money on their home purchase or refinance.FHA: The Federal Housing Administration ...

Award-Winning Excellence Article

TowneBank Mortgage is thrilled to announce a wave of recent awards, solidifying our position as a leader in exceptional service and industry achievement!  Scotsman Guide Recognizes Top PerformanceWe're honored to be recognized by the esteem...

CASH HOME PURCHASE? Get money back through Delayed Financing! Article

Did you recently purchase a home with CASH? Here’s how you can put some money back into your pocket! Delayed financing allows you to quickly access equity in your home and receive a large portion of your cash back. Here’s how it work...

Self-Employed? Buy a Home with Our 12-Month P&L Loan Article

For many self-employed individuals, business owners, and dedicated entrepreneurs, navigating the path to homeownership can present unique challenges. Traditional mortgages often rely heavily on tax returns, which may not always fully capture the fina...

CFPB Finalizes Rule to Remove Medical Bills from Credit Reports Article

The Consumer Financial Protection Bureau (CFPB) just delivered a major win for consumers struggling with medical debt. A new rule finalized by the CFPB will completely remove unpaid medical bills from credit reports. This means lenders will no longer...

VA Loan Myths: Fact vs Fiction Article

The VA Home Loan helps military families achieve the dream of homeownership and is considered one of the strongest VA benefits available. Unfortunately, there are a lot of rumors or misconceptions that may be stopping military members and their famil...

The 5 C's of Credit Article

Have you ever heard of the 5 C’s of credit? They are Character, Capacity, Capital, Collateral and Conditions.  Your lender uses these to help determine your creditworthiness when applying for a loan, and assess the level of risk associate...

Location vs. Dream Home: Finding the Perfect Balance for Your Budget Article

The search for the perfect home is an exciting journey filled with dreams of spacious kitchens, cozy living rooms, and backyard oasis. However, the reality is that budget constraints often force buyers to make tough choices- especially in today&rsquo...

The Importance of a Mortgage Underwriter Article

Embarking on the journey of buying a home is an exciting prospect that involves connecting with various professionals. Among them, the underwriter plays a pivotal, albeit often behind-the-scenes, role. So, who are these individuals, and why...

Veterans Day: Top Discounts and Offers to Honor Those Who Serve Article

a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } Veterans Day is a time to honor and thank those who have served our country, and many businesses...

Alabama Housing Finance Authority: Guide to AHFA First Step & Step Up Programs Article

Whether you’re looking for a quiet spot near the Gulf, a front porch in the Magic City, or a home near the tech hub of the Rocket City, there is one thing every Alabamian values: community.At TowneBank Mortgage, we believe that homeownersh...

The "One Big Beautiful Bill Act": A Homeowner's Guide to New Tax Updates and Benefits Article

The landscape of U.S. tax policy for homeowners and prospective buyers has recently seen significant shifts with the signing of the "One Big Beautiful Bill Act" (H.R. 1) on July 4, 2025. This comprehensive legislation introduces a mix of pe...