Fairhope Mortgage LLC

Fairhope Mortgage LLC Tom Kalagher NMLS #2028566
Powered by Reliant Mortgage
Providing an easy mortgage and refi process.

I’m Tom Kalagher, owner of Fairhope Mortgage, passionate about helping clients secure the right financing and ensuring smooth, on-time closings. Here to serve homebuyers, investors, and real estate pros with personalized loan solutions and top-notch service! Tom Kalagher - Individual NMLS: 2028566
Fairhope Mortgage, LLC. - Company NMLS: 2561450
314 Magnolia Ave, Suite 101, Fairhope, AL 36532
As part of Reliant Mortgage, LLC. - Company NMLS: 1075152

You’re going to see a lot of posts about this program in the coming weeks. The truth is that the income limits are very ...
08/24/2026

You’re going to see a lot of posts about this program in the coming weeks. The truth is that the income limits are very low and you also have to have an extremely low DTI ratio. This means very few families will actually qualify.

To help the broader community Fairhope Mortgage LLC is offer down payment assistance to all that need it without income limits and DTI up to 50%. We are offering 3.5% of the purchase price as a forgivable grant or 5% as a second lien on the property. If this could help you please give me a call 251-391-5618
Tom Kalagher

08/24/2026

Dolphins playing off of Orange Beach and Pensacola Beach.
Want to make this your backyard? Fairhope Mortgage LLC can make that dream come true.

Luke was in town for his son’s football 🏈 game. While he probably doesn’t need a mortgage to buy a house in town, but if...
08/23/2026

Luke was in town for his son’s football 🏈 game. While he probably doesn’t need a mortgage to buy a house in town, but if he does we are here for him!

08/19/2026

🏡 Want to Buy an Investment Property Without Hurting Your DTI?

Here's a strategy many homebuyers and investors don't know about.
If you purchase an investment property using a DSCR loan in an LLC, that debt may not need to be included in your debt-to-income ratio when you later qualify for a primary residence mortgage, depending on the loan program and underwriting guidelines.
That means you may be able to start building a real estate portfolio without reducing your ability to buy your own home.
Watch this quick video to learn how DSCR loans work and why they're becoming so popular with real estate investors.
📞 Curious if this strategy is right for you? Let's talk!
Tom Kalagher

I had the honor of attending the USA by the Bay speaker series on growth in Baldwin County last week presented by The Un...
08/17/2026

I had the honor of attending the USA by the Bay speaker series on growth in Baldwin County last week presented by The University of South Alabama.

Here are some of the key points:
-Fastest growing county in AL since 2010
-Top 1.5% of all US counties for growth
-97% of population growth due to incoming domestic migration (moving from other states)
-Almost doubled (91%) our population since 2000
-87,000 new houses needed by 2050
-Property values up 82% from 2020
-Huge investments in infrastructure including roads, safety, water, transportation, and improvements in utilities
-Top 5 counties for business growth

08/16/2026

🏡 Thinking About Buying a Boat or Camper? Watch This Before You Do!

08/13/2026

🚫 The #1 Credit Card Mistake That Could Lower Your Credit Score

Did you finally pay off a credit card? Congratulations! 🎉
Now, don't make the mistake that I see all the time...
Many people immediately close a credit card after paying it off, thinking it's the best financial move. In reality, it can reduce your available credit, increase your credit utilization, and even shorten your credit history—all of which can impact your credit score.
If you're planning to buy a home or refinance, this simple tip could help you qualify for a better mortgage.
🏡 Watch this quick video to learn what you should do instead.
📞 Questions about your credit or getting pre-approved? Reach out to Fairhope Mortgage today!

08/12/2026

Winning is about more than just closing deals, it's about helping others in need!

Thank you yet again to everyone that trusted Fairhope Mortgage LLC with your home financing needs in July as well as to ...
08/07/2026

Thank you yet again to everyone that trusted Fairhope Mortgage LLC with your home financing needs in July as well as to all my Referal partners that trusted me with your pre-approvals!

Address

314 Magnolia Avenue Suite 101
Fairhope, AL
36532

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 12pm

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