Ray Nichols - Mortgage Loan Originator NMLS 2175613

07/15/2025

Call or text me today if you are in the market to purchase or refinance! 256-762-7182

Fast closings, strong foundations.
At Bank Independent, our Mortgage Lending Team is moving at the speed of you. ⏱️ While the national average to close on a home purchase was 42 days this spring (according to ICE Mortgage Technology, a mortgage data provider), our team averaged just 24 days from application to closing.
That’s 18 days faster than the national average.
Because when it comes to homebuying, every day counts. https://hubs.ly/Q03rGNyD0

07/03/2025

Big impact, real results!
Bank Independent Mortgage Lending has already connected our customers with $592,500 in grant funds this year, helping families attain homeownership. And we’re not done yet, another $200,000 is currently in process!
We're committed to opening doors and building stronger communities, one home at a time.
Ready to see what’s possible for you? Connect with a Bank Independent Mortgage Lender today! https://hubs.ly/Q03rGzvZ0

04/24/2025

Huge news for our customers and students looking to attend the University of North Alabama

Bank Independent customers can now get a 20% UNA undergrad, grad, or doctoral program scholarship. Open an account now to save on your degree!

02/21/2025

Unlock the door to affordable homeownership with our exceptional down payment assistance program, offered again this year to qualified borrowers. Call or text me today to learn more about how you or someone you know can benefit from this opportunity!

256-762-7182

Exciting news for homebuyers! Bank Independent Mortgage Lending is offering up to $20,000 down payment assistance through our partnership with the Federal Home Loan Bank of Atlanta and their 2025 Home Ownership Program. 🎉
Available funding limits:
🔹 First-Time Homebuyers – Up to $17,500
🔹 Community Partners (teachers, first responders, healthcare workers, etc.) – Up to $20,000
🔹 Workforce Housing Plus+ – Up to $15,000
Don’t miss this opportunity to get the support you need for homeownership! Contact us today to learn more.
https://www.bibank.com/mortgage-assistance

08/21/2024

We were happy to have you Jenifer! Appreciate your support and stopping by to spend the morning with us.

A big thank you to Bank Independent for hosting a wonderful breakfast mortgage meet up for local real estate agents and professionals! 🍩 ☕️

We had delicious donuts from the Donut NV food truck, making the morning even sweeter. It was such a pleasure to gather together, catch up with friends, and discuss our work in this ever-changing industry. We truly appreciate the opportunity to connect and feel recognized for the hard work we put in every day. Thank you for supporting and appreciating our community! 👏🏻 👏🏻 👏🏻

08/19/2024

Welcome area Realtors. You’re invited to a delightful morning treat! Tomorrow!
Time: 8:00 AM - 10:00 AM
Address: 301 E Limestone St, Florence
Enjoy delicious donuts from the Donuts NV food truck, complete with a variety of toppings. Plus, we’ll have hot and cold coffee, as well as refreshing lemonade.
We look forward to seeing you there.
https://bibank.com/mortgage

08/19/2024

We were grateful to celebrate 10 years of serving the Huntsville community at our Bank Independent First Friends 10th Anniversary Celebration!
Thank you to our first customers who joined us at our Downtown Huntsville location at 225 Holmes Avenue. Your trust and loyalty have been the foundation of our success in this growing market. Here's to many more years of partnership and growth together!

08/16/2024

Check this out!! Calling all REALTORS!