Donna Davis, Mortgage Lender NMLS #542645

Donna Davis, Mortgage Lender NMLS #542645 Providing all your Residential Mortgage needs for refinances or purchases to First-time Home Buyers, Union Home Mortgage Corp.

LO NMLS 542645
UHM NMLS 2229
Equal Housing Lender
nmlsconsumeraccess.org

🏡 Appraisal Myth #4: A low appraisal automatically kills the deal. ❌Reality: A low appraisal doesn’t always mean the tr...
06/09/2026

🏡 Appraisal Myth #4: A low appraisal automatically kills the deal. ❌

Reality: A low appraisal doesn’t always mean the transaction is over. In many cases, it simply creates an opportunity for buyers and sellers to renegotiate terms, adjust pricing, or explore other solutions. ✔️

Every home transaction is unique, and having the right team guiding you through the process can make all the difference!

📲 Have questions about appraisals or the homebuying process? Let’s connect and talk through your options.

The Mortgage Team According to Every Borrower 😂🏡🧙‍♀️ The Witch – “I’m afraid my credit score is too scary.”🎉 The Party G...
06/06/2026

The Mortgage Team According to Every Borrower 😂🏡

🧙‍♀️ The Witch – “I’m afraid my credit score is too scary.”

🎉 The Party Girl – “Can I buy a house before my vacation, wedding, and new car?”

👗 Dorothy – “There’s no place like home… but where do I start?”

🤖 The Tin Man – “I don’t think I have enough heart… I mean, down payment.”

👸 The Good Witch – “I want the castle, the pool, the acreage, and my payment under $1,000.”

🧹 The Munchkin – “What’s an escrow account?”

🦁 The Lion – “I’m terrified to apply because I don’t want my credit pulled.”

👩‍💼 Me, the Loan Officer: “Don’t worry, I’ve seen it all. Witches, lions, princesses, and flying monkeys. My job is turning your homeownership story into a happy ending. 🏡✨”

📞 Donna Davis | NMLS #542645
📱 205-542-6397

“No matter which character you are, I’ll help guide you down the yellow brick road to homeownership.”

🏡 Appraisal Myth #3: Appraisers work for the buyer or seller. ❌Reality: Appraisers are independent third parties whose ...
06/05/2026

🏡 Appraisal Myth #3: Appraisers work for the buyer or seller. ❌

Reality: Appraisers are independent third parties whose job is to provide an unbiased opinion of a home’s value. Their role is to evaluate the property based on market data, comparable sales, and the condition of the home — not to “make the deal work” for either side. ✔️

Understanding how appraisals work can help make the homebuying process feel a lot less stressful!

📲 Have questions about appraisals, financing, or buying a home? I’m here to help every step of the way.

📢 REALTORS! Don't miss this opportunity to earn your CE credits for FREE on June 25!I'm excited to be hosting two great ...
06/04/2026

📢 REALTORS! Don't miss this opportunity to earn your CE credits for FREE on June 25!

I'm excited to be hosting two great classes taught by Kimberly Benefield:

☀️ AM Class: Risk Management
🕘 9:00 AM – 12:00 PM

🎥 PM Class: Legally Bound
Contract Confidence
🕐 1:00 PM – 4:00 PM

Whether you're looking to fulfill your CE requirements or pick up new strategies to grow your business, these classes deliver valuable insights and practical takeaways.

Reserve your seat today:

AM Class Registration:
https://www.eventbrite.com/e/1990797787774?aff=oddtdtcreator

PM Class Registration:
https://www.eventbrite.com/e/1990798106728?aff=oddtdtcreator

I look forward to seeing you there! Reach out with any questions or to learn more.

🏡 Real Estate Investors: Your property's cash flow may matter more than your personal income.With a DSCR (Debt Service C...
06/03/2026

🏡 Real Estate Investors: Your property's cash flow may matter more than your personal income.

With a DSCR (Debt Service Coverage Ratio) loan, qualifying is based primarily on the income generated by the investment property—not your tax returns or W-2s.

Whether you're growing your rental portfolio or purchasing your first investment property, a DSCR loan could help you reach your goals faster.

Ready to see if a DSCR loan is the right fit for your next investment? Give me a call to discuss your options.

🔨 Thinking every home upgrade guarantees a higher appraisal? Not always! 👀While upgrades can improve your home, not ever...
06/02/2026

🔨 Thinking every home upgrade guarantees a higher appraisal? Not always! 👀

While upgrades can improve your home, not every renovation automatically increases value. Appraisers look at factors like buyer demand, neighborhood trends, and how your upgrades compare to similar homes in the area.

The key is making smart improvements that add value where it matters most. 🏡✨

📲 Have questions about appraisals, refinancing, or preparing to sell? Let’s connect and talk through your options!

🏡 Appraisal myth busted!Many buyers assume the appraised value and market value are always the same — but that’s not alw...
05/28/2026

🏡 Appraisal myth busted!

Many buyers assume the appraised value and market value are always the same — but that’s not always true. 👀

An appraisal is a professional estimate of a home’s value, while market value is based on what buyers are actually willing to pay in the current market. These numbers can vary depending on demand, location, and market conditions.

Understanding the difference can help you feel more confident during the homebuying process! 💡

📲 Have questions about appraisals or buying a home? Let’s connect!

This Memorial Day, we honor and remember the brave men and women who made the ultimate sacrifice for our freedom. ❤️🤍💙Wi...
05/25/2026

This Memorial Day, we honor and remember the brave men and women who made the ultimate sacrifice for our freedom. ❤️🤍💙

Wishing everyone a safe weekend filled with gratitude, family, and time spent with the people who matter most.

As we gather today, may we never forget the true meaning behind the holiday!

Big congratulations to Matt & Mary Grace L. on closing on their refinance in Hayden, AL! 🏡✨One of the best parts of this...
05/22/2026

Big congratulations to Matt & Mary Grace L. on closing on their refinance in Hayden, AL! 🏡✨

One of the best parts of this home? Waking up to views like this every day. 🌅 There’s something special about having a place that feels peaceful the moment you step outside.

I’m so grateful they trusted me through the refinance process and thankful for the referral from a great friend. Helping clients create more financial breathing room while staying in a home they love is always a win.

Thinking about refinancing and wondering what your options look like? Let’s connect! 📩

🏡 Ready to stop renting and start building equity? Your homebuying journey may be closer than you think! ✨With down paym...
05/21/2026

🏡 Ready to stop renting and start building equity? Your homebuying journey may be closer than you think! ✨

With down payment options as low as 3%, homeownership could be more affordable than expected. Whether you’re a first-time buyer or planning your next move, I’m here to help guide you every step of the way.

📲 Let’s talk about your options and create a plan that fits your goals! DM me today to get started.

Address

319 1st Avenue E
Hoover, AL
35121

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 10am - 6pm
Sunday 10am - 6pm

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