Licensed to Lend in
AL, GA, MS & TN
205-983-5626
205-983-5626
FHA loans provide accessible homeownership opportunities through lower down payment requirements and flexible credit standards. However, some applicants fall just short of standard qualification criteria. FHA compensating factors offer a solution by allow
Dec 30, 2025 | Purchasing a Home
These shorter loans come with higher monthly payments but much lower interest rates. This might save you a boat-load of money, especially if you are already a homeowner, trading up with lots of equity. Understanding the Basics: 15-Year vs. 30-Year M
Dec 26, 2025 | Interest Rates
As the holiday season fills our hearts with joy and our homes with warmth, we want to take a moment to wish you and your family a very Merry Christmas! From all of us at SMG Mortgage, thank you for being such an important part of our year. Your trust and
Dec 23, 2025 |
VA home loans provide valuable benefits for veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer advantages that can make homeownership more accessible and affordable t
Dec 18, 2025 | VA Loans
Credit card debt affects millions of Americans, with high interest rates making it difficult to make meaningful progress toward becoming debt-free. A Home Equity Line of Credit (HELOC) offers one potential solution by allowing you to leverage your home's
Dec 16, 2025 |
The VA Energy Efficient Mortgage (EEM) program helps veterans and service members finance energy-saving home improvements as part of their VA home loan. This program allows you to include the cost of energy-efficient upgrades in your mortgage, making it e
Dec 11, 2025 | VA Loans