| Whether you're looking to buy a home or refinance the one you own, MAX offers several fixed and adjustable interest rate first mortgage options to help you budget responsibly and get ahead. Five to 40 year first mortgages on primary and secondary residences and investment properties are available. Financing is available for homes within the state of Alabama only. Apply online 24/7 or stop by our Eastdale branch office to have one of our mortgage counselors walk you through everything you need to know about the mortgage process. They'll show you how easy it is to apply for a home loan that is right for you and your family. If you would like to speak with one of our professional and knowledgeable mortgage services counselors before you get started, just call 800-776-6776 today. Pre-approval makes shopping for a home a little easier! Pre-approval gives you the confidence to know what specific price range you can afford when shopping for a new home. Then when you’re ready to buy, pre-approval adds credibility to your offer, which helps increase the chances of a seller accepting it. Get pre-approved online or call us at 800-776-6776.  
Financing options: VA Loans FHA Loans
 HOME LOAN CLOSING DISCOUNT
The EcoMAX® Home Loan Closing Discount allows you to take up to $1,000 off your closing costs when you build a new home using various “green” products. Each green product you use has a point value. For each point you accumulate, you can take $100 off your closing costs up to $1,000. You must have a minimum of 4 points to participate in the discount program. A maximum of 10 points can be used for the discount.
Check out the table below to see which green products will give you the greatest discount on the closing costs of your new home. Discount may not exceed ½% of the loan amount up to $1000. | Green Products | Point Value | | Solar panels generating at least 70% of the total estimated energy use | 10 | | Geo Thermal | 4 | | Solar hot water heater | 4 | | Foam installations attics and external walls | 4 | | All windows Energy Star rated or higher | 4 | | Heating/AC Units rated 14 seer or higher | 3 | | Complete tankless hot water heaters (entire house) | 2 | | Radiant barrier | 2 | | No or low VOC paints | 1 | | Low flow plumbing | 1 | | Energy Star appliances (at least 3) | 1 | | Passive solar (positioning the house in a southern or northern direction limiting windows on the east and west to 2 windows per side) | 1 | | Detached garage | 1 | | Using products from recycled materials such as carpet, counter tops, cabinetry | 1 | Examples:
• Geo Thermal (4 points) + Radian barrier (2 points) = 6 points = up to $600 discount
• Solar panels (10 points) + Energy Star windows (4 points) = 14 points (max 10 points) = up to $1,000 discount
• Detached garage (1 point) + Low flow plumbing (1 point) = 2 points (minimum 4 points) = no discount
Learn about a special savings offer for MAX members on an ARC Energy Audit. » For qualified borrowers. Certain restrictions apply. Equal Housing Lender.
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