Service beyond
the signature
Get pre-qualified quickly and apply for the loan from the comfort of your own home.
Service beyond
Why Choose CIS Home Loans?
Established in 1991, in Hamilton, Alabama, we are a non-depository, full-service mortgage bank grounded in a commitment to building lasting relationships.
Through direct approval with Fannie Mae, Freddie Mac, Ginnie Mae, FHA, USDA, and VA we offer a full set of mortgage products.
With an innovative team trained to be the best in the business, CIS Home Loans is the best choice when you are looking for a mortgage product.
What sets CIS Home Loans apart?
- CIS’ core management team has over 175 years of combined experience in the Mortgage Banking industry.
- We are licensed to originate mortgage loans in 26 states across the United States.
- Direct access to your loan, through a single point of contact, is given from application to closing.
- Credit decisions are made timely and in-house.
VA Loans
If you are an Active Duty or Retired Military member of Veterans Affairs (VA), the VA loan program offers special home buyer benefits that may be ideal.
As with USDA mortgages, VA home loans typically do not require a down payment.
While there are no specific minimum credit score requirements, many VA home loan lenders use a FICO score of 620 as a benchmark and view the credit report to evaluate the borrower’s payment history.
USDA Loans
Are you looking to purchase a home outside of a city? You may be able to enjoy 100% financing for a home that is designated in a rural area through the United States Department of Agriculture (USDA) loan program.
A qualified buyer can purchase a home without making a down payment. The USDA uses a relatively liberal definition of “rural,” and many small towns, suburbs, and exurbs (denser inner suburbs outside major metropolitan areas) qualify as rural according to the USDA’s location criteria.
FHA Loans
The Federal Housing Administration (FHA) loan programs offer low down payment options for financing a primary residence. These home loans enable buyers to pay only 3.5% of the purchase price upfront.
Eligible properties include single-family and multi-family homes located in the United States and its territories.
While conventional loans come with term options of 10, 15, 20, or 30 years, FHA loans are only available with terms of 15 or 30 years.
Conventional Loans
Enjoy the confidence of knowing your monthly payment and interest rate will not change for the term of your loan with fixed-rate conventional mortgages.
While buyers don’t deal with Fannie Mae or Freddie Mac directly, these program help make the mortgage market more stable and liquid, enabling lenders to offer more affordable loans, and offer various consumer protection programs.
CIS is a full-service mortgage company that strives to help individuals and families buy the home of their dreams. We take pride in our ability to be transparent with every client. We also make customer service a high priority. You can always reach our loan officers via our online loan portal or by phone whenever you have questions.
We offer some of the most competitive home mortgage rates in the country, which could save you thousands of dollars over the term of your loan. Our loan process typically takes around 25 days from origination to closing so you can start enjoying your new home right away.
Contact CIS today to learn more about the available home loan types and start the application process.