Russell Carmichael - NMLS# 1492025

09/02/2026

August housing numbers are in for Decatur and Huntsville. 🏡

Both markets remained active in August. Homes moved quickly, with median days on market down significantly from this time last year, while median sales prices remained slightly higher year over year.

Decatur saw a particularly strong month, with home sales up 8.1% and total sales volume up nearly 20% compared to last year.

If you’re thinking about buying a home in North Alabama, I’m always happy to help you run the numbers and see what your options look like.

09/01/2026

This is exactly the experience I want every client to have.

Buying a home is a big deal, and my job is to make the mortgage side as easy and stress-free as possible.

Thank you, Jessica, for the kind review and for trusting me to help! ⭐⭐⭐⭐⭐

08/25/2026

Buying a home doesn’t have to feel complicated or stressful. My goal is to keep you informed, make the process easy to understand, and be there when you need me.

Thank you, Christopher, for the kind words and for trusting me and my team with your home loan! ⭐️⭐️⭐️⭐️⭐️

If you’re thinking about buying a home, I’d love the opportunity to help.

08/17/2026

There’s nothing better than hearing that a client felt informed, confident, and taken care of throughout the mortgage process.

Buying a home is a big deal, and my goal is to make the financing side as smooth and straightforward as possible from start to finish.

Thank you Drake for trusting me to help you through it. I truly appreciate the kind words and the 5-star review! ⭐⭐⭐⭐⭐

08/14/2026

🏈🏡 Ready for game day? A cash-out refinance can free up funds to spruce up your home inside or out while keeping your mortgage working for you. Message me to see if it’s right for your goals.

08/12/2026

Big news! 🎉 I’ve moved my office to Lower Mortgage and I’m even more excited to keep helping my clients and realtors reach their home goals. Thanks to everyone for your trust! Here’s to growth, momentum, and great outcomes ahead! 🚀🏡

07/23/2026

The VA loan process just got a little easier. 🇺🇸🏡

Big news for veterans and active-duty service members: the VA has updated its appraisal requirements, helping reduce unnecessary repair conditions that have delayed closings in the past.

While these updates can make the process smoother, every VA loan is unique. Having a lender who understands the guidelines can make all the difference from contract to closing.

If you’ve been thinking about using your VA benefit to buy a home, let’s talk about what these changes could mean for you.

📩 Send me a message or give me a call to get started.

07/21/2026

5.0 star review received on Experience.com for Russell Carmichael by Alec P - Russell and the rest of the team were all professional. They were prompt to respond, gave me regular updates, and always had an answer for my questions. The loan process was easy and quick, so much so that my closing was advanced a week early.

Click to see all 69 reviews of Russell Carmichael, Senior Loan Officer

07/21/2026

Helping first-time buyers feel confident is one of the best parts of my job.

Buying your first home can feel overwhelming, but it doesn’t have to be. I’m here to answer your questions, explain every step, and help you feel confident from start to finish.

Thank you, Lindsey, for your kind words and for allowing my team to be part of your homeownership journey. We truly appreciate your trust.

Ready to take the first step toward homeownership? Reach out anytime. I’d be happy to help.