Erick Kidd, Branch Manager, Nmls#1671029

Erick Kidd, Branch Manager, Nmls#1671029 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Erick Kidd, Branch Manager, Nmls #1671029, Mortgage brokers, Birmingham, AL.

Congrats to Mark On closing on his home in 14 days. It was a pleasure working with you!
08/22/2026

Congrats to Mark On closing on his home in 14 days. It was a pleasure working with you!

Do you need assistance with down payment and closing cost? Send me a message today to get started with your mortgage app...
08/12/2026

Do you need assistance with down payment and closing cost? Send me a message today to get started with your mortgage application.

Only need a 580 credit score to be elgible to pull cash out. Text me cash out at the number below to get started.
08/04/2026

Only need a 580 credit score to be elgible to pull cash out. Text me cash out at the number below to get started.

07/27/2026

2 usda approvals went out over the weekend. Could you be next? Send me a message to get started.

07/20/2026

Buy a house with $0 down? Yes, really! 🏡

​If you're looking to buy a home outside a major city, a USDA Loan might be your best-kept secret:

​$0 Down Payment — 100% financing available

​Lower Monthly Fees — Cheaper mortgage insurance than FHA loans

​Flexible Credit Requirements — Typically 580+ credit score

​📍 The Catch? The home must be in an eligible rural/suburban area, and household income must fall under local limits. (Fun fact: ~97% of US land area is eligible!)

​Send a message to check if your target neighborhood qualifies! 🔑

Your time is now! Send me a message if you've recently been turned down but have your down payment.
07/08/2026

Your time is now! Send me a message if you've recently been turned down but have your down payment.

Happy 4th of July. Enjoy your day
07/04/2026

Happy 4th of July. Enjoy your day

The Truth about credit scoresYou’ve likely heard that having a “high” credit score is all it takes to snag the best mort...
07/03/2026

The Truth about credit scores

You’ve likely heard that having a “high” credit score is all it takes to snag the best mortgage rate. But there’s more beneath the surface! 🏡

Here’s what many online lenders aren’t sharing:

1️⃣ Not all credit scores are the same – Mortgage lenders use specific scoring models. That “free” score you check might not be the one they’re actually looking at.

2️⃣ Credit score alone isn’t the whole story – Factors like your debt-to-income ratio, employment stability, and the type of property you’re buying also impact your rate and approval.

3️⃣ Those low rates online? – They can come with hidden fees, minimal customer support, and rigid terms that may end up costing you more.

The takeaway? A mortgage review with a local expert ( Hello 👋 ) could save you thousands over the years.

Let’s set up a review of your mortgage options to ensure you’re truly getting the best deal! Comment GUIDE below, and I’ll send you an invite to a free Zoom session where we’ll cover everything you need to know about securing the right mortgage without overpaying!

❤️ Like this post and 💾 save for future reference. Share with anyone who is serious about buying a house in 2026

- Preapprovals in 24 hours - no upfront charges on credit pulls- easy document submission process- in house grants and d...
06/29/2026

- Preapprovals in 24 hours
- no upfront charges on credit pulls
- easy document submission process
- in house grants and down payment assistance with 620 and up
- 14 to 21 day closings
- free in house credit repair if needed
- programs to get people that's self employed, have tax liens, credit issues, or untraditional income into a home

https://erickkidd.allwestern.com/

Pull cash out of your property to use as you like- minimum 600 credit score required- only one 30 day late allowed on mo...
06/27/2026

Pull cash out of your property to use as you like

- minimum 600 credit score required

- only one 30 day late allowed on mortgage last 12 months

- appraisal required

Send me a message to get started.

Address

Birmingham, AL
35209

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+12056453700

Website

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