Dana Carthen - NMLS# 289656 - Hope Credit Union

Dana Carthen - NMLS# 289656 - Hope Credit Union Personal NMLS289656
Company NMLS653874 My name is Dana Carthen, and I have been serving in the mortgage industry since 1997.

With over two decades of experience, I’ve guided countless individuals and families through the home financing process, ensuring they find the right solutions tailored to their needs. As a Mortgage Loan Originator at Hope Federal Credit Union in Mobile, AL, I am committed to helping my clients achieve their dreams of homeownership. My goal is to provide personalized, transparent service that simpl

ifies the loan process and makes it as stress-free as possible. Whether you're a first-time homebuyer or a seasoned homeowner, I am here to help you navigate every step with care and expertise.

Before you spend your Saturday touring, I can help estimate what that home could cost each month - including the expense...
09/08/2026

Before you spend your Saturday touring, I can help estimate what that home could cost each month - including the expenses that don’t show up in the asking price.

I want you walking through the front door thinking about whether the home fits your life, with a payment you’ve already talked through.

09/07/2026

There’s a lot that goes into deciding whether buying a home makes sense, and no single headline tells the whole story.

That’s why I like breaking down what’s happening and, more importantly, what it could actually mean for you.

You don’t have to become a housing or mortgage expert. You just need good information, the right context, and someone you can ask questions along the way.

Lower prices can definitely get your attention, but the price tag is only one piece of the decision.I'd love to help you...
09/04/2026

Lower prices can definitely get your attention, but the price tag is only one piece of the decision.

I'd love to help you look at the financing, the full monthly payment, and how the numbers fit your budget - because that’s what really determines whether a home is affordable for you.

Getting an offer accepted is exciting, but it’s also when a lot starts happening behind the scenes.My job is to keep the...
09/03/2026

Getting an offer accepted is exciting, but it’s also when a lot starts happening behind the scenes.

My job is to keep the loan moving, keep you updated, and make sure you always know what comes next. You don’t have to figure it all out on your own.

If you stepped away from your home search because there just wasn’t enough to choose from, it may be worth taking anothe...
09/02/2026

If you stepped away from your home search because there just wasn’t enough to choose from, it may be worth taking another look.

More listings don’t mean every home will be the right one, but having more options is a much better place to start.

It’s easy to picture your life in a home after one great showing. I always encourage buyers to pause and think about how...
09/01/2026

It’s easy to picture your life in a home after one great showing. I always encourage buyers to pause and think about how it will actually work day-to-day.

Can you comfortably manage the full payment? What might need repairs? Does the location fit your routine? A home can be beautiful and still not be the right fit.

08/31/2026

Sometimes the individual numbers don’t seem like much on their own, but when a few of them start moving in the same direction, I pay attention.

That’s what caught my eye this week. If buying a home is somewhere on your radar, I think it’s worth knowing when the market starts showing little signs of change.

I know it hasn’t exactly felt like a buyer-friendly market the last few years, so I like seeing numbers like these. Pric...
08/28/2026

I know it hasn’t exactly felt like a buyer-friendly market the last few years, so I like seeing numbers like these. Prices are coming down in more places, sellers seem to be getting a little more realistic, and buyers are starting to have some leverage again.

I’m not saying buying a home is suddenly easy. It’s not. But if you’ve been sitting on the sidelines for a while, I do think the market is worth another look.

I think this chart is a pretty good reminder of how much our perspective on mortgage rates has been shaped by the last 1...
08/27/2026

I think this chart is a pretty good reminder of how much our perspective on mortgage rates has been shaped by the last 10–15 years. We got REALLY used to low rates.

So today’s rates can feel crazy high, even though historically, they really aren’t that unusual.

Obviously, that doesn’t make the monthly payment any cheaper. 😂 But I do think the context matters, especially if you’ve been waiting for rates to get back to 3% or 4% before you buy.

I talk to people all the time who assume they’re not ready to buy a home. Sometimes they’re right. But sometimes we actu...
08/26/2026

I talk to people all the time who assume they’re not ready to buy a home. Sometimes they’re right. But sometimes we actually go through the numbers, and they’re surprised by what’s possible.

There are different loan programs, down payment options, and assistance programs out there, and you don’t need to understand all of them before reaching out.

That’s my job. If homeownership is something you’ve been thinking about, I’m always happy to have the conversation and see where you stand.

Address

Mobile, AL

Opening Hours

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

Telephone

+12515839654

Website

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