What are the opening hours?

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

Caleb Long - HomeTown Lenders

Home
United States
Huntsville, AL
Caleb Long - HomeTown Lenders

Let us help you find the perfect home loan to fit your needs! Click "Contact Us" to begin the purchase or refinance process. Branch NMLS # 65084

Our dedicated team of local mortgage professionals are ready to help you today! It's important to put your trust in the hands of a lender that will not only help you find the mortgage that best fits your needs; but, will inform you about your options, point out and translate the fine print, and help you make an informed decision. This all comes with experience, and The Fortner Group will always ut

ilize our in-depth experience to ensure your home loan process is as easy and stress-free as possible. We’re invested in our local community and its future. Our family of mortgage professionals are homegrown, right here in North Alabama. We’re your neighbors. We’re your friends. We believe in the American dream of homeownership, and we’re dedicated to helping you realize that dream. We’re dedicated to our community…our future…and YOU. We’re proud to serve North Alabama and look forward to helping our community continue to flourish! WE'RE YOUR HOMETOWN LENDERS! LET US HELP YOU FIND YOUR WAY HOME. Hometown Lenders, Inc. | NMLS # 65084 | Hometown Lenders, Inc. is an Equal Housing Lender. Terms, conditions, and restrictions may apply. Loan products are subject to availability and credit approval. Not a commitment to extend credit. | Hometown Lenders USA AZ BK-0949142 | Licensed by the California Department of Financial Protection & Innovation. Company License # 41DBO60614 | AL Consumer Lender License 20906 | https://www.nmlsconsumeraccess.org

Caleb Long | Licensed Loan Partner | NMLS # 1967841

03/11/2022

DID YOU KNOW?

When you purchase a home, your Realtor® will advise you on key inspections related to the home you are purchasing. You can use your tax refund to help alleviate the cost(s) of any inspection(s) you may want or need.

Got questions? I'm always here to answer them or simply lend you a helping hand. Reach out to me today at https://htlenders.com/employee/caleb-long/

03/10/2022

🔠 LENDER LINGO: Earnest Money 🔠

The Earnest Money is a deposit a buyer pays to show good faith on a signed contract agreement to buy a home. The deposit is held by a seller or third party like a real estate agent or title company. If the home sale is finalized or “closed” the earnest money may be applied to closing costs or the down payment. If the contract is terminated for a permissible reason, the earnest money is returned to the buyer. If the buyer does not perform in good faith, the earnest money may be forfeited and paid out to the seller.

03/08/2022

🔠 LENDER LINGO: Closing Disclosure 🔠

A Closing Disclosure (CD) is a required five-page form that provides final details about the mortgage loan you have selected. It includes the loan terms, your projected monthly payments, and how much you will pay in fees and other costs to get your mortgage. The lender is required to give you the Closing Disclosure at least three business days before you close on the mortgage loan. This three-day window allows you time to compare your final terms and costs to those estimated in the Loan Estimate that you previously received from the lender. The three days also gives you time to ask your lender any questions before you go to the closing table.

03/04/2022

DID YOU KNOW?

You can use your tax refund towards the closing costs on your home purchase. Closing costs may include, but are not limited to, items such as appraisal fees, credit report costs, title insurance fees, and any other fees required by your lender or paid as part of a real estate transaction.

Got questions? I'm always here to answer them or simply lend you a helping hand. Reach out to me today at https://htlenders.com/employee/caleb-long/

03/03/2022

🔠 LENDER LINGO: Loan Estimate 🔠

A Loan Estimate (LE) is a three-page form that you receive after applying for a mortgage. The LE tells you important details about the loan you have requested. The lender must provide you a Loan Estimate within three business days of receiving your application. The form provides you with important information, including the estimated interest rate, monthly payment, and total closing costs for the loan. The form uses clear language and design to help you better understand the terms of the mortgage loan you've applied for.

03/01/2022

🔠 LENDER LINGO: Fixed Rate Mortgage 🔠

A Fixed Rate Mortgage is a type of home loan for which the interest rate is set when you take out the loan and it will not change during the term of the loan.

02/25/2022

DID YOU KNOW?

Your credit score plays a crucial role in determining your mortgage interest rate. Using your tax refund to pay down or pay off debts is one of the easiest ways to increase your credit score. If you're planning to purchase a home, it's important to always consult with a mortgage professional before paying off, or paying down, any existing debts.

Got questions? I'm always here to answer them or simply lend you a helping hand. Reach out to me today at https://htlenders.com/employee/caleb-long/

02/24/2022

🔠 LENDER LINGO: ARM 🔠

An ARM (Adjustable Rate Mortgage) is a type of loan for which the interest rate can change, usually in relation to an index interest rate. Your monthly payment will go up or down depending on the loan’s introductory period, rate caps, and the index interest rate. With an ARM, the interest rate and monthly payment may start out lower than for a fixed-rate mortgage, but both the interest rate and monthly payment can increase substantially.

02/22/2022

🔠 LENDER LINGO: LTV RATIO 🔠

The Loan-to-Value Ratio is a measure comparing the amount of your mortgage with the appraised value of the property. The higher your down payment, the lower your LTV ratio. Mortgage lenders may use the LTV in deciding whether to lend to you and to determine if they will require private mortgage insurance.

02/18/2022

DID YOU KNOW?

You can use your tax refund as earnest money towards a home. Your earnest money is a deposit made to a home's seller showing your good faith in closing on their home. Earnest money deposits vary, but typically range from 1-3% of the sales price of the home.

Got questions? I'm always here to answer them or simply lend you a helping hand. Reach out to me today at https://htlenders.com/employee/caleb-long/

02/17/2022

🔠 LENDER LINGO: DTI Ratio 🔠

Your DTI (Debt-to-Income) Ratio is all your monthly debt payments divided by your gross monthly income. This number is one way lenders measure your ability to manage the monthly payments to repay the money you plan to borrow.

02/15/2022

🔠 LENDER LINGO: Annual Income 🔠

Annual Income is a factor in a mortgage loan application that generally refers to your total earned, pre-tax income over a year. Annual income may include income from full-time or part-time work, self-employment, tips, commissions, overtime, bonuses, or other sources. A lender will use information about your annual income and your existing monthly debts to determine if you have the ability to repay the loan.

Whether a lender will rely upon a specific income source or amount when considering you for a loan will often depend upon whether you can reasonably expect the income to continue.

Address

350 The Bridge Suite
Huntsville, AL
35806

Opening Hours

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

Telephone

+12566772243

Website

https://htlenders.com/employee/caleb-long/

Alerts

Be the first to know and let us send you an email when Caleb Long - HomeTown Lenders posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Caleb Long - HomeTown Lenders:

Shortcuts

Address
Telephone
Opening Hours
Alerts
Contact The Business
Claim ownership or report listing

Want your business to be the top-listed Finance Company in Huntsville?