Chris Montz

Call Chris First
Sr. Mortgage Broker and Loan Officer
VA Mortgage Specialist
NMLS #88514 I entered in the mortgage business back in 2001. NMLS # 88514

Needless to say, I have seen a lot of ups and downs in the market. I have worked in the mortgage banker side of the business and now back in the broker side. The broker side of the mortgage business offers my clients any and all options when it comes to their mortgage needs. I have dozens of lenders at my disposal to serve pretty much any need my clients need. My mission is to serve my customers w

ith honesty, integrity and competence. My goal is to provide home loans to my clients while providing them with the lowest interest rates and closing costs possible. Furthermore, I pledge to help borrowers overcome roadblocks that can arise while securing a loan.

07/31/2026

What to tell the seller: listing agents push back on VA offers because they have been burned before. Lead with the pre-approval, my track record, and the timeline.

I am available to speak lender-to-lender with listing agents when needed, because those conversations open doors emails cannot.

Call 205-531-8189.

07/27/2026

Myth: bankruptcy means no VA loan.

A past bankruptcy does not permanently disqualify you. VA guidelines require a two-year waiting period after Chapter 7. With Chapter 13, you may qualify after just 12 months of satisfactory payments with trustee approval.

Call 205-531-8189.

07/24/2026

Nothing is worse than falling in love with a home that is out of reach. Knowing your number before you start looking keeps your search focused and your emotions protected.

With a VA loan, no down payment means your buying power is often higher than you think. I will show you exactly what you can afford and what your monthly payment looks like.

Call or text 205-531-8189 before you tour a single home.

07/22/2026

The PACT Act changed everything for veterans exposed to burn pits, Agent Orange, and toxic chemicals. More than 20 conditions are now presumptive, meaning you do not have to prove exposure. If you were denied before 2022, it is time to refile. This one matters.

07/20/2026

Did you know?

The VA IRRRL, or Interest Rate Reduction Refinance Loan, is one of the easiest refinance options available. If you already have a VA loan, you can lower your rate with minimal paperwork and no appraisal required. Want to check your numbers?

Call 205-531-8189.

07/17/2026

Let's set the record straight:

VA loans do not take longer, unprepared lenders do. With the right lender, a VA loan closes in the same window as a conventional one. I order the appraisal the day the contract is signed and stay ahead of every underwriting condition.

Call 205-531-8189.

07/15/2026

Thousands of Alabama veterans are eligible for free or low-cost VA healthcare and have never enrolled. Birmingham, Huntsville, Montgomery, Mobile. There is a VA facility near you.

If you served, you may already qualify. Do not leave this on the table.

07/13/2026

Did you know?

Unremarried surviving spouses of veterans who died in service or from a service-connected disability may be eligible for the VA home loan benefit, including the zero down payment option.

If this could be you or someone you love, call or text 205-531-8189.

07/10/2026

Most veterans start their home search by calling a realtor. That is the wrong first call. Before you tour a single home, you need to know what you actually qualify for. Call me first and I will confirm your VA eligibility, pull your Certificate of Eligibility, and give you a real number to shop with, usually the same day. You walk into every showing already pre-approved and ready to move.

Call or text 205-531-8189.

07/08/2026

Your kids should not have to pay for college. The Alabama G.I. Dependents Scholarship covers tuition, fees, and books at any Alabama public college for children and spouses of 100% disabled or deceased veterans. Share this with every Alabama veteran family you know.

Address

Birmingham, AL
35242

Website

http://www.callchrisfirst.com/

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