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Looking for a mortgage lender in Chelsea? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Chelsea, AL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Alabama before hiring.
Showing 3 mortgage lenders in Chelsea, AL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Kristy Redford
48 Chesser Crane Rd, Chelsea, AL 35043
2052664092
MortgageBanc- Chelsea
1801 Co Rd 39, Chelsea, AL 35043
2059864220
Jim Bryant at Prosperity Home Mortgage - Chelsea
331 Chelsea Corners Way, Chelsea, AL 35043
2057097665
Mortgage lenders in Chelsea Alabama help home buyers and homeowners secure financing for property purchases or refinancing. Alabama law requires mortgage lenders to be licensed through the Alabama State Banking Department. Local lenders understand the Chelsea real estate market and can guide you through the loan process.
What Does a Mortgage Lender in Chelsea Cost?
Typical costs for a mortgage lender in Alabama include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from $400 to $700, and title insurance costs around $1,000 to $2,000. Closing costs in Alabama generally range from 2% to 5% of the purchase price. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Chelsea Alabama?
You typically need pay stubs, tax returns, bank statements, and photo identification. Alabama lenders also require a valid Social Security number and proof of residency. Additional documents may be needed for self employed borrowers.
How long does the mortgage process take in Alabama?
The mortgage process in Alabama usually takes 30 to 45 days from application to closing. This timeline can vary based on loan type and appraisal scheduling. Alabama law does not set a specific time limit for mortgage processing.
Are there special mortgage programs for first time home buyers in Alabama?
Yes, Alabama offers the Step Up program through the Alabama Housing Finance Authority. This program provides down payment assistance and lower interest rates for eligible first time buyers. Chelsea residents may also qualify for FHA or USDA loans.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Alabama.