Birmingham VA Loans and Birmingham VA Loan Refinancing

Birmingham VA Loans and Birmingham VA Loan Refinancing

Veterans and enlisted personnel in the Yellowhammer State who are ready to become homeowners can do so for less with help from

Our Birmingham VA Loans and Birmingham VA Loan Refinancing offer special rates and terms that can’t be found anywhere else, which saves you a significant amount of money over the life of your loan. Low-interest rates, zero down payments and no monthly PMI are just some of the reasons Veterans and active duty service members choose Birmingham VA loans to finance their home purchase.

Even if you’re a Veteran or servicemember who already owns your own home, you can refinance with Birmingham VA loans to save money on your mortgage payments.

To learn more about Birmingham VA loans call us at (866) 216-3577. One of our expert VA loan specialists will speak with you personally to answer your questions and see if you qualify for these great loan terms! Contact us online to get started or use our online pre-qualification form to start qualifying today.

Take Advantage of Your Birmingham VA Loan Benefits! Apply for Birmingham VA Loans and Birmingham VA Loan Refinancing Today

ONLY Veterans are eligible for Birmingham VA loans. It’s one of your greatest military benefits! Get into your new home with $0 down, no PMI payments and the best interest rates available to anyone. Apply today and get prequalified in just a few minutes or contact us to learn more.

If you already own a home, you can use your VA benefits to save money on your current home loan with a Birmingham VA loan refinance – even if you have a conventional or FHA loan. The VA Loan experts at can help you decide if cash-out refinancing or streamline refinancing is right for you based on your needs.

Do You Qualify? Find Out Today!

Check our VA Loan eligibility page to see if you qualify for a Birmingham VA loan. Our loan experts are standing by to answer your questions and guide you through the process.

Put your service benefits to good use with a VA Loan and enjoy a zero down, low-interest rate, government-backed home loan. Birmingham homes have a median price of $280,000, and the VA loan limit in Alabama is $424,100*.

Follow Our Easy 3 VA Loan Process:

  1. Present your VA Certificate of Eligibility (COE). If you can’t find it or don’t have one yet, call We can help you find it!
  2. Start shopping! Use our home search page to find your perfect Birmingham home.
  3. Get approved for your Birmingham VA Loan or VA Mortgage refinancing in minutes. Just fill out our simple, online VA Loan Application.

Pre-Qualify For Birmingham VA Loans and Birmingham VA Loan Refinancing

Pre-qualifying for Birmingham VA home loans is simple with help from Our streamlined application process can be started over the phone or online and can be used for first mortgages or VA loan refinancing. Visit our VA Loans eligibility page and review the qualifications below to find out if you qualify for Birmingham VA loans. If so, move on to our online pre-qualification form to get the application process started!

Basic qualifications for Alabama VA loans include:

  • Active duty service for 90 days or more during wartime

  • Active duty service for 180 days or more during peacetime

  • Honorable discharge from your service branch

  • You are on active duty

  • Being the surviving spouse of a Veteran who died in service or as a result of a service-related injury, providing that you have not remarried.

When you’re ready to apply for Birmingham VA home loans, you can count on the Alabama VA loans specialists at to help you through the application process. We can process applications online or over the phone, answer your questions, ease your fears and explain the particulars of your loan to you in terms you understand. We’ll look out for your best interests and keep the process moving along so you can get into your new Birmingham home sooner.

Get started with your home loan application or refinancing application today by calling one of our Birmingham VA home loans specialists at (866) 216-3577, write to us at or use our Contact Form. Together we will get you into the home of your dreams in Birmingham!

The Housing Market In Birmingham, AL

Birmingham is an affordable Southern city where median prices for single-family homes are $187,625. Alabama VA loans from have assisted thousands of Veterans and enlisted personnel gets into their own homes in Birmingham for less. Popular neighborhoods like Spring Lake, Highland Park, Forest Park, Crestwood North, and Five Points South are all within the upper VA loan limit of $424,100*.

  • Year over year home sales: -48.9%

  • Year over year median sales price: -1.2%

  • Median real estate property taxes: $665

  • 2012 new construction building permits: 88

Why Veterans Love Birmingham

Birmingham is one of the top ten most military-friendly cities in the U.S. according to The city boasts both lower than average unemployment rates and a lower cost of living than the U.S. average. It also ranks high for the number of military-friendly schools and Veteran-owned businesses in the area.

Birmingham has a VA medical center located within the city limits, although no active military bases are located in the city. The nearest is the Anniston Army Depot in nearby Bynum. The State of Alabama Department of Veterans Affairs assists Veterans and their families in receiving the state and federal benefits to which they are entitled.

  • Veterans can receive medical care from the Birmingham VA Medical Center. The Medical Center has a 12-bed Emergency Room, a Cardiology program, Palliative Care, Pharmacy and other specialties.

  • Veterans can also take advantage of their G.I. Bill benefits at one of the city’s many colleges or universities, including Birmingham Southern College, Brown Mackie College, Faulkner University, Herzing University, Samford University and the University of Alabama.

  • Military retirement pay is not taxed in Alabama, which means Veterans can enjoy more of their retirement income in Alabama.

Birmingham, Alabama Facts

  • The unemployment rate in Birmingham is around 9%, which is slightly higher than the national average. However, the cost of living in Birmingham is nearly 20% lower than the U.S. average.

  • The city’s major employers include the University of Alabama at Birmingham, Regions Financial Corporation, AT&T and the Jefferson County Board of Education. Other corporations with a major presence in the area include Honda, Pepsi Cola, Coca-Cola, and BBVA Compass Bank.

  • The Birmingham area has consistently received recognition as one of the best places to work in the country.

Achieve the American dream of homeownership with help from! We help Veterans purchase or refinance homes with Birmingham VA Loans and Birmingham VA mortgage refinancing every day.

Find out if you qualify today! Check your Birmingham VA loans eligibility now or fill out our online VA mortgage application form. Birmingham VA loan experts are available to walk you through the process and answer questions, and can be reached at (866) 216-3577 or