I’ve been in the mortgage industry since 1996 and have been proudly originating loans for Silverton Mortgage since 2011. After starting my mortgage career in Birmingham, I transitioned to the Anniston, Alabama market in 2004. I am licensed to originate mortgages in both Alabama and Tennessee. My team and I are ready, willing and able to assist any client in those two states.
Along with my wife, we are raising a precocious 10-year old daughter and make our home in Anniston.
Our Loan Programs
Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for! Contact us today to start a conversation about which loan option is right for you.All Loans
A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.
If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 600.
With as little as 3% down, reduced mortgage insurance, and no minimum contribution from the borrower, this option is perfect for first-time homebuyers who may have a relative helping with the down payment.
Veterans and active duty military may qualify for 100% financing (0% down payment) with no monthly mortgage insurance through the VA loan program.