30-year Fixed 1st Mortgage

From Your First Home to Your Forever Home – We’ve Got You Covered.

No matter what stage of life you're in, our NEW 30-year fixed 1st mortgage gives you stability, peace of mind, and a trusted partner every step of the way.

Why choose our 30-year fixed?

Security. Stability. Simplicity. 

With the 30-year Fixed 1st Mortgage from First Bank of Alabama, your rate and monthly payment stay the same for the life of your loan. No surprises, no guesswork. That means you can focus on making memories, not worrying about market changes. 

Key Benefits:
• Predictable Payments – Your monthly payment of principal and interest never changes.
• Long-Term Security – Lock in today’s rate for the life of your loan.
• Local Expertise – Work with lenders who know and love our community.
• Guidance from Start to Finish – We’re with you every step of the way.

Our promise to you.

Because every great story begins with a FIRST. 

Buying a home is more than a financial decision — it’s a life milestone. Whether it’s your very first place or the dream home you’ve worked years to achieve, we believe you deserve a mortgage process that’s clear, simple, and supportive.
At First Bank of Alabama, we don’t just approve loans — we build relationships that last long after closing day.

How it works. 

Your path to homeownership.

Step 1 – Get Pre-Qualified
See what you can afford, explore your options, and lock in your rate.

Step 2 – Find Your Home
We’ll connect you with resources and keep you informed at every stage.

Step 3 – Close with Confidence
Our team will guide you through final paperwork so you can move in worry-free.

Let's get you home.

Our local lenders are ready to guide you! 

Call us today at 256-362-2334, option 2 for loans, option 2 for personal loans, to speak directly with a mortgage lender. 

The 30-year fixed 1^st mortgage loan product is limited to a 1^st mortgage purchase, refinance of 1^st mortgage where First Bank of Alabama is not the creditor, or refinance of 1^st mortgage where First Bank of Alabama is the creditor and additional proceeds of $25,000 or more will be included in the refinance.  Based on a loan amount of $222,500.00 for a 1^st mortgage 30-year purchase loan, the annual percentage rate (APR) would be 6.403% and the repayment schedule would be 359 fixed monthly payments of $1,369.97 and a final payment of $1,370.90. Based on a loan amount of $222,500.00 for a 1st mortgage 30-year refinance loan, the APR would be 6.368% and the repayment schedule would be 359 fixed monthly payments of $1,368.79 and a final payment of $1,366.56. APRs are estimated and a borrower’s APR may vary depending on loan amounts, terms, and closing fees. Monthly payments listed above do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater if escrow of taxes and insurance premiums are applicable. The interest rate will not increase during the term of the loan. Closing fees are applicable to this loan product. A down payment of 11% of the property purchase amount or appraised value is required, whichever is less.