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We are in the business of making dreams of home ownership come true. We promise excellent customer s Helping People Is Our Passion. Sounds cliche, right?

Bu truthfully there is no better reward in this life than having a heart to serve others. Why should that be any different in business? Our #1 priority is YOU. Let us show you what the mortgage process should be like. It would be our honor to help you!

10/16/2026

Creative 1st Mortgage just kickflipped over the competition. 🛹⚡️

While other lenders are stuck in traffic, we’re helping homebuyers land their financing with style. 🏡✨

10/15/2026

Mortgage rates finally stopped climbing this week. But what does that actually mean if you're thinking about buying a home?

According to Freddie Mac, the average 30-year fixed mortgage rate held steady at 7.40% this week, following seven straight weeks of increases.

Here's something I want people to understand. That 7.40% is a national average. It doesn't automatically mean that's the rate you would receive.

Your credit, down payment, loan program, property type, and even the cost associated with getting a particular rate can change what your mortgage looks like.

And just because rates stopped increasing this week doesn't mean they're about to start falling.

If you're considering buying a home, I would spend less time trying to predict where rates are going and more time understanding what you can comfortably afford today.

The numbers need to make sense for your family regardless of what the market does next.

10/09/2026

Today at 2 PM Central: 8% Is a Real Possibility.

Join Jason Maxam for a Realtor briefing on mortgage rate pressure, buyer payments, and when seller concessions or rate buydowns deserve a closer look.

Friday, October 9 | 2:00 PM CDT / 3:00 PM EDT

10/08/2026

8% Is a Real Possibility

What should Realtors know if mortgage rates move higher?

Join Jason Maxam of Creative 1st Mortgage for a practical webinar on rate trends, buyer payment concerns, and financing options worth discussing with a lender.

Friday, October 9 | 2:00 PM CDT / 3:00 PM EDT

10/07/2026

𝙏𝙬𝙤 $350,000 𝙝𝙤𝙢𝙚𝙨 𝙖𝙧𝙤𝙪𝙣𝙙 𝘽𝙞𝙧𝙢𝙞𝙣𝙜𝙝𝙖𝙢 𝙘𝙖𝙣 𝙡𝙤𝙤𝙠 𝙫𝙚𝙧𝙮 𝙙𝙞𝙛𝙛𝙚𝙧𝙚𝙣𝙩 𝙤𝙣𝙘𝙚 𝙮𝙤𝙪 𝙜𝙚𝙩 𝙥𝙖𝙨𝙩 𝙩𝙝𝙚 𝙥𝙧𝙞𝙘𝙚 𝙤𝙣 𝙩𝙝𝙚 𝙡𝙞𝙨𝙩𝙞𝙣𝙜.

One may have higher property taxes. One may cost more to insure. One may have an HOA. The location and property itself can affect parts of the financing too.

That’s why I don’t want someone shopping for a home based only on the price they were pre-approved for.

When you find a house you’re serious about, send it to me. I can run the numbers using that actual property so you have a better idea of what you’re looking at before you make an offer.

After more than 20 years in mortgage lending here in Alabama, I can tell you that the details matter.

The house you choose is part of the mortgage conversation too.

10/06/2026

Congratulations to Jason, Sean, and our team on this five-star review!

Buying your first home comes with plenty of questions. Emily’s review recognizes the work that helps people feel prepared: explaining each step, staying available, checking in, and taking care of the details.

Jason and Sean, thank you for the care and follow-through you gave Emily and her husband. We’re proud to have you on our team.

Emily, thank you for trusting Creative 1st Mortgage with your first home purchase and taking the time to share your experience. Congratulations on your new home!

10/02/2026

𝓨𝓸𝓾 𝓶𝓪𝓭𝓮 𝓲𝓽 𝓽𝓸 𝓕𝓻𝓲𝓭𝓪𝔂.

ᴡʜᴀᴛᴇᴠᴇʀ ᴅɪᴅɴ’ᴛ ɢᴇᴛ ꜰɪɴɪꜱʜᴇᴅ ᴛʜɪꜱ ᴡᴇᴇᴋ ᴡɪʟʟ ꜱᴛɪʟʟ ʙᴇ ᴛʜᴇʀᴇ ᴍᴏɴᴅᴀʏ.

ᴄʟᴏꜱᴇ ᴛʜᴇ ʟᴀᴘᴛᴏᴘ. ᴘᴜᴛ ᴛʜᴇ ᴘʜᴏɴᴇ ᴅᴏᴡɴ ꜰᴏʀ ᴀ ʟɪᴛᴛʟᴇ ᴡʜɪʟᴇ. ꜱᴘᴇɴᴅ ꜱᴏᴍᴇ ᴛɪᴍᴇ ᴡɪᴛʜ ʏᴏᴜʀ ꜰᴀᴍɪʟʏ ᴀɴᴅ ꜰʀɪᴇɴᴅꜱ. ꜰɪʀᴇ ᴜᴘ ᴛʜᴇ ɢʀɪʟʟ. ᴡᴀᴛᴄʜ ꜱᴏᴍᴇ ꜰᴏᴏᴛʙᴀʟʟ. ꜱɪᴛ ᴏᴜᴛꜱɪᴅᴇ. ᴅᴏ ᴀʙꜱᴏʟᴜᴛᴇʟʏ ɴᴏᴛʜɪɴɢ ɪꜰ ᴛʜᴀᴛ’ꜱ ᴡʜᴀᴛ ʏᴏᴜ ɴᴇᴇᴅ.

ᴡᴇ ꜱᴘᴇɴᴅ ᴇɴᴏᴜɢʜ ᴏꜰ ᴏᴜʀ ʟɪᴠᴇꜱ ʙᴇɪɴɢ ʙᴜꜱʏ.

ʜᴇʀᴇ’ꜱ ʏᴏᴜʀ ʀᴇᴍɪɴᴅᴇʀ ᴛʜᴀᴛ ɪᴛ’ꜱ ᴏᴋᴀʏ ᴛᴏ ᴇɴᴊᴏʏ ᴛʜᴇ ʟɪꜰᴇ ʏᴏᴜ’ʀᴇ ᴡᴏʀᴋɪɴɢ ꜱᴏ ʜᴀʀᴅ ᴛᴏ ʙᴜɪʟᴅ.

ʜᴀᴠᴇ ᴀ ɢʀᴇᴀᴛ ᴡᴇᴇᴋᴇɴᴅ ꜰʀᴏᴍ ᴀʟʟ ᴏꜰ ᴜꜱ ᴀᴛ ᴄʀᴇᴀᴛɪᴠᴇ 1ꜱᴛ ᴍᴏʀᴛɢᴀɢᴇ.

10/01/2026

🅸🅵 🅰 🅿🅸🅿🅴 🅱🆄🆁🆂🆃 🅸🅽 🆈🅾🆄🆁 🅷🅾🆄🆂🅴 🆃🅾🅽🅸🅶🅷🆃, 🆆🅾🆄🅻🅳 🆈🅾🆄 🅺🅽🅾🆆 🅷🅾🆆 🆃🅾 🆃🆄🆁🅽 🆃🅷🅴 🆆🅰🆃🅴🆁 🅾🅵🅵?

If the answer is no, that’s something worth figuring out before you need it. We spend a lot of time preparing people to buy a home. We talk about the payment, closing costs, inspections, insurance and everything it takes to get the keys. But getting the keys is when a completely different kind of responsibility starts.

Every homeowner should know a few basic things about their house:
- Where is the main water shutoff?
- Where is the electrical panel, and do you know which breaker controls what?
- Where is your HVAC filter, what size is it, and when was it last changed?
- Do you know how to shut off the water to your water heater?
- Do you have working smoke and carbon monoxide detectors?
- Where is your fire extinguisher? Do YOU have one?
- If you have a sprinkler system, do you know how to shut that off?

And here's one people don't think about until they need it: Do both adults in the house know these things?

You don't want the first time you look for the water shutoff to be when there's water pouring across the floor.

When you buy a house, take an hour before worrying about paint colors, furniture and everything you want to change. Walk through the house and learn how it works.

Take pictures. Label things. Put important information in your phone. If you're not sure about something, ask a qualified professional to show you.

Buying the house is one thing.

Learning how to take care of it is part of owning it.

09/30/2026

One of the most frustrating parts of getting a mortgage is being asked to explain money that's already sitting in your own bank account. I get it.

You have the money. It's in your account. Why does anyone care where it came from? Because underwriting isn't only looking at whether you have enough money to close. Depending on the loan and circumstances, they may also need to determine whether the funds are an acceptable source and whether that deposit created another financial obligation.
Say a $15,000 deposit suddenly appears on your bank statement.
Maybe you transferred it from another account you own. Maybe you sold something. Maybe it was a gift. Maybe it came from your business. Maybe you borrowed it.

Those aren't all treated the same way.

And this is where something that feels like a ridiculous request can turn into several more documents. If the money came from another account, we may need to document that account. If it was a gift, there may be gift documentation. If it was borrowed, now we may have a new debt that needs to be considered.

That's why I tell people not to start moving large amounts of money around while they're getting a mortgage without talking to us first.
Moving your own money isn't necessarily the problem.
Being unable to document where it came from can become one.
A lot of underwriting makes more sense once somebody takes five minutes to explain what the underwriter is trying to verify.

09/29/2026

𝑮𝑬𝑻𝑻𝑰𝑵𝑮 𝑨𝑷𝑷𝑹𝑶𝑽𝑬𝑫 𝑭𝑶𝑹 𝑨 $500,000 𝑯𝑶𝑼𝑺𝑬 𝑫𝑶𝑬𝑺𝑵'𝑻 𝑴𝑬𝑨𝑵 𝒀𝑶𝑼 𝑺𝑯𝑶𝑼𝑳𝑫 𝑩𝑼𝒀 𝑨 $500,000 𝑯𝑶𝑼𝑺𝑬.

ᴛʜᴏꜱᴇ ᴀʀᴇ ᴛᴡᴏ ᴄᴏᴍᴘʟᴇᴛᴇʟʏ ᴅɪꜰꜰᴇʀᴇɴᴛ ᴄᴏɴᴠᴇʀꜱᴀᴛɪᴏɴꜱ.
ᴡʜᴇɴ ɪ ᴡᴏʀᴋ ᴛʜʀᴏᴜɢʜ ᴀ ᴍᴏʀᴛɢᴀɢᴇ ᴀᴘᴘʀᴏᴠᴀʟ, ɪ'ᴍ ʟᴏᴏᴋɪɴɢ ᴀᴛ ᴛʜɪɴɢꜱ ʟɪᴋᴇ ʏᴏᴜʀ ɪɴᴄᴏᴍᴇ, ᴅᴇʙᴛꜱ, ᴄʀᴇᴅɪᴛ, ᴀꜱꜱᴇᴛꜱ, ᴇꜱᴛɪᴍᴀᴛᴇᴅ ʜᴏᴜꜱɪɴɢ ᴘᴀʏᴍᴇɴᴛ ᴀɴᴅ ᴛʜᴇ ɢᴜɪᴅᴇʟɪɴᴇꜱ ꜰᴏʀ ᴛʜᴇ ʟᴏᴀɴ. ᴛʜᴇʀᴇ ɪꜱ ᴍᴀᴛʜ ʙᴇʜɪɴᴅ ᴅᴇᴛᴇʀᴍɪɴɪɴɢ ᴡʜᴀᴛ ʏᴏᴜ ᴍᴀʏ Qᴜᴀʟɪꜰʏ ꜰᴏʀ.
ʙᴜᴛ ᴛʜᴇ ᴍᴀᴛʜ ᴅᴏᴇꜱɴ'ᴛ ᴋɴᴏᴡ ʏᴏᴜ.
ɪᴛ ᴅᴏᴇꜱɴ'ᴛ ᴋɴᴏᴡ ᴛʜᴀᴛ ʏᴏᴜ ꜱᴘᴇɴᴅ ᴛʜᴏᴜꜱᴀɴᴅꜱ ᴇᴠᴇʀʏ ʏᴇᴀʀ ᴛʀᴀᴠᴇʟɪɴɢ ᴡɪᴛʜ ʏᴏᴜʀ ꜰᴀᴍɪʟʏ. ɪᴛ ᴅᴏᴇꜱɴ'ᴛ ᴋɴᴏᴡ ᴡʜᴀᴛ ᴄʟᴜʙ ꜱᴘᴏʀᴛꜱ ᴄᴏꜱᴛ ꜰᴏʀ ʏᴏᴜʀ ᴋɪᴅꜱ. ɪᴛ ᴅᴏᴇꜱɴ'ᴛ ᴋɴᴏᴡ ᴛʜᴀᴛ ʏᴏᴜ'ʀᴇ ᴛʀʏɪɴɢ ᴛᴏ ʙᴜɪʟᴅ ᴀ ʙᴜꜱɪɴᴇꜱꜱ, ᴀɢɢʀᴇꜱꜱɪᴠᴇʟʏ ꜱᴀᴠᴇ ꜰᴏʀ ʀᴇᴛɪʀᴇᴍᴇɴᴛ, ʜᴇʟᴘ ʏᴏᴜʀ ᴘᴀʀᴇɴᴛꜱ, ᴘᴀʏ ꜰᴏʀ ᴘʀɪᴠᴀᴛᴇ ꜱᴄʜᴏᴏʟ ᴏʀ ᴋᴇᴇᴘ ᴇɴᴏᴜɢʜ ᴍᴏɴᴇʏ ʟᴇꜰᴛ ᴏᴠᴇʀ ᴇᴠᴇʀʏ ᴍᴏɴᴛʜ ᴛʜᴀᴛ ʏᴏᴜ ᴄᴀɴ ᴀᴄᴛᴜᴀʟʟʏ ᴇɴᴊᴏʏ ʏᴏᴜʀ ʟɪꜰᴇ.
ᴛʜᴏꜱᴇ ᴛʜɪɴɢꜱ ᴍᴀᴛᴛᴇʀ ᴛᴏᴏ.
ʟᴇᴛ'ꜱ ꜱᴀʏ ʏᴏᴜ'ʀᴇ ᴀᴘᴘʀᴏᴠᴇᴅ ᴜᴘ ᴛᴏ $500,000. ᴛʜᴀᴛ ᴅᴏᴇꜱɴ'ᴛ ᴍᴇᴀɴ ᴏᴜʀ ɴᴇxᴛ ᴄᴏɴᴠᴇʀꜱᴀᴛɪᴏɴ ꜱʜᴏᴜʟᴅ ᴀᴜᴛᴏᴍᴀᴛɪᴄᴀʟʟʏ ʙᴇ, "ɢʀᴇᴀᴛ, ʟᴇᴛ'ꜱ ꜱᴛᴀʀᴛ ʟᴏᴏᴋɪɴɢ ᴀᴛ $500,000 ʜᴏᴜꜱᴇꜱ."
ɪ ᴡᴀɴᴛ ᴛᴏ ᴋɴᴏᴡ ᴡʜᴀᴛ ᴛʜᴇ ᴘᴀʏᴍᴇɴᴛ ʟᴏᴏᴋꜱ ʟɪᴋᴇ ᴀᴛ $400,000, $450,000 ᴀɴᴅ $500,000.
ᴡʜᴀᴛ ᴅᴏᴇꜱ ᴇᴀᴄʜ ᴏɴᴇ ʟᴇᴀᴠᴇ ʏᴏᴜ ᴡɪᴛʜ ᴇᴠᴇʀʏ ᴍᴏɴᴛʜ?
ʜᴏᴡ ᴍᴜᴄʜ ᴄᴀꜱʜ ᴀʀᴇ ʏᴏᴜ ᴘᴜᴛᴛɪɴɢ ɪɴᴛᴏ ᴛʜᴇ ᴛʀᴀɴꜱᴀᴄᴛɪᴏɴ?
ᴡʜᴀᴛ ᴡɪʟʟ ʏᴏᴜ ʜᴀᴠᴇ ʟᴇꜰᴛ ɪɴ ꜱᴀᴠɪɴɢꜱ ᴀꜰᴛᴇʀᴡᴀʀᴅ?
ᴡʜᴀᴛ ʜᴀᴘᴘᴇɴꜱ ᴡʜᴇɴ ᴛʜᴇ ᴀᴄ ɢᴏᴇꜱ ᴏᴜᴛ ꜱɪx ᴍᴏɴᴛʜꜱ ᴀꜰᴛᴇʀ ʏᴏᴜ ᴍᴏᴠᴇ ɪɴ?
ᴀɴᴅ ᴍᴏꜱᴛ ɪᴍᴘᴏʀᴛᴀɴᴛʟʏ, ᴡʜɪᴄʜ ᴘᴀʏᴍᴇɴᴛ ʟᴇᴛꜱ ʏᴏᴜ ᴏᴡɴ ᴛʜᴇ ʜᴏᴍᴇ ᴡɪᴛʜᴏᴜᴛ ᴛʜᴇ ʜᴏᴍᴇ ᴏᴡɴɪɴɢ ʏᴏᴜʀ ᴘᴀʏᴄʜᴇᴄᴋ?
ꜱᴏᴍᴇᴛɪᴍᴇꜱ ᴛʜᴇ ʀɪɢʜᴛ ᴀɴꜱᴡᴇʀ ɪꜱ ʙᴜʏɪɴɢ ᴀᴛ ᴛʜᴇ ᴛᴏᴘ ᴏꜰ ʏᴏᴜʀ ᴀᴘᴘʀᴏᴠᴀʟ. ꜱᴏᴍᴇᴛɪᴍᴇꜱ ɪᴛ ɪꜱɴ'ᴛ.
ᴍʏ ᴊᴏʙ ɪꜱɴ'ᴛ ᴛᴏ ᴄᴏɴᴠɪɴᴄᴇ ʏᴏᴜ ᴛᴏ ʙᴏʀʀᴏᴡ ᴛʜᴇ ᴍᴏꜱᴛ ᴍᴏɴᴇʏ ᴀ ʟᴇɴᴅᴇʀ ᴡɪʟʟ ᴀʟʟᴏᴡ.
ᴍʏ ᴊᴏʙ ɪꜱ ᴛᴏ ʜᴇʟᴘ ʏᴏᴜ ᴜɴᴅᴇʀꜱᴛᴀɴᴅ ʏᴏᴜʀ ᴏᴘᴛɪᴏɴꜱ ꜱᴏ ʏᴏᴜ ᴄᴀɴ ᴍᴀᴋᴇ ᴀ ᴅᴇᴄɪꜱɪᴏɴ ᴛʜᴀᴛ ᴡᴏʀᴋꜱ ꜰᴏʀ ʏᴏᴜʀ ꜰɪɴᴀɴᴄᴇꜱ, ʏᴏᴜʀ ꜰᴀᴍɪʟʏ ᴀɴᴅ ᴛʜᴇ ʟɪꜰᴇ ʏᴏᴜ'ʀᴇ ᴛʀʏɪɴɢ ᴛᴏ ʙᴜɪʟᴅ.
Qᴜᴀʟɪꜰʏɪɴɢ ɪꜱ ᴍᴀᴛʜ.
ᴛʜᴇ ʀɪɢʜᴛ ᴅᴇᴄɪꜱɪᴏɴ ɪꜱ ᴘᴇʀꜱᴏɴᴀʟ.

Address

3245 Lorna Road
Hoover, AL
35216

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

Website

http://www.JasonMaxam.com/

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