Mortgage Lending

From first time homebuyers, relocation purchases to refinancing your current mortgage, our Mortgage Professionals will find the product that meets your individual needs. Perhaps, that's why homeowners feel so settled in once they find us.

Learn More Contact Our Mortgage Division

Once you've found it, you know you're home. Our mortgage loans are the same way.

At ServisFirst Bank, we offer an extensive range of mortgage products that are as varied as our clients' taste in homes. Each product offers a competitive rate along with exceptional service from our experienced Mortgage Professionals. From first time homebuyers, relocation purchases to refinancing your current mortgage, our Mortgage Professionals will find the product that meets your individual needs. Perhaps, that's why homeowners feel so settled in once they find us.

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Product Information

Conventional Fixed Rate Mortgages

This is a loan that features a fixed rate for the life of the loan. These loans are available with a variety of terms, available in Conforming and Non-Conforming loan amounts.

Adjustable Rate Mortgage Loans (ARMs)

This mortgage features simple interest with an adjustable rate term. It includes a fixed rate for a period of time before commencing the adjustment phase and is typically helpful for those borrowers who anticipate only being in a home for a short period of time.

Federal Housing Administration Mortgage Loans (FHA)

This mortgage is federally insured by The Department of Housing and Urban Development. It is designed for first time homebuyers, or those who require a small down payment, lower credit scores, and higher debt to income qualifications. This loan features the ability to finance a portion of the closing costs into the loan.

Non-Conforming (Jumbo) Mortgage Loans

This mortgage is designed for those borrowers needing to borrow more than $548,250. These loans are available in Fixed Rate, Interest Only and ARM terms.

Veterans Administration Mortgage Loans (VA)

This loan program is available from the Department of Veteran Affairs. It is designed to serve the needs of Veterans and allows 100% financing if needed. This borrower must have a valid Certificate of Eligibility to obtain a VA mortgage.

Affordable Housing/Low Income Program Mortgage Loans

ServisFirst Bank works hard to ensure all borrowers receive the opportunity of homeownership. We have many programs for low- or moderate-income borrowers. Most loans offer little down payment and flexible credit requirements.

The Consumer Finance Protection Bureau requires the following two booklets be provided to any consumers making mortgage application.

Settlement Cost Booklet Charm Booklet

Contact Our Mortgage Division

Birmingham

Marshal Worthington

SVP, Mortgage Division Manager
NMLS ID: 448200
MW@servisfirstbank.com
T: 205.949.0350
F: 205.949.1174
Toll Free 866.438.3281
2500 Woodcrest Place
Birmingham, Alabama 35209

Meredith Lockerman

Vice President, Mortgage Lending
NMLS ID: 776277
ML@servisfirstbank.com
T: 205.949.2217
F: 205.832.8573
2500 Woodcrest Place
Birmingham, Alabama 35209

Apply Online

Kary Keasler

VP Mortgage Loan Officer
NMLS ID: 460990
KKeasler@servisfirstbank.com
T: 205.578.4621
F: 205.578.4622
2500 Woodcrest Place
Birmingham, Alabama 35209

Apply Online

Julien Willoughby

Mortgage Loan Officer
NMLS ID: 1910769
JWilloughby@servisfirstbank.com
T: 205.578.4615
F: 205.756.4567
2500 Woodcrest Place
Birmingham, Alabama 35209

Apply Online


Charleston

Janice Burns

VP, Mortgage Loan Officer
NMLS ID: 241788
JBurns@servisfirstbank.com
T: 843.414.3919
F: 843.414.3901
701 East Bay Street, Suite 503
Charleston, SC 29403

Apply Online

Carson Williams 

SVP, Mortgage Loan Officer
NMLS ID: 452995
CWilliams@servisfirstbank.com 
T843.414.3955
701 East Bay Street, Suite 503
Charleston, SC 29403

Apply Online

Dothan

Angie Deese

VP Mortgage Loan Officer
NMLS ID: 776256
ADeese@servisfirstbank.com
T: 334.340.4325
F: 334.340.4367
4801 West Main Street
Dothan, Alabama 36305

Apply Online

Huntsville

Cindy LeBlanc

VP Mortgage Loan Officer
NMLS ID: 776271
CLeblanc@servisfirstbank.com
T: 256.722.7821
F: 256.722.7881
401 Meridian Street
Suite 100
Huntsville, Alabama 35801

Apply Online

Mobile

Anna Maria Mazzarella

VP Mortgage Loan Officer
NMLS ID: 413294
AM@servisfirstbank.com
T: 251.544.6955
F: 251.544.6975
2 North Royal Street
Mobile, AL 36602

Apply Online

Beth Cazalas

VP Mortgage Loan Officer
NMLS ID: 1058873
BCazalas@servisfirstbank.com
T: 251.544.6922
561 Fairhope Ave, Suite 101
Fairhope, AL 36532

Apply Online

Nashville

Tom Hayes

Mortgage Production Manager
NMLS ID: 168041
THayes@servisfirstbank.com
T: 615.921.3563
1600 West End Avenue, Suite 200
Nashville, Tennessee 37203

Apply Online

Pensacola

Jack Noyes

Mortgage Loan Officer
NMLS ID: 1837699
JNoyes@servisfirstbank.com
T: 850.266.9192
219 E. Garden Street
Pensacola, FL 32502

Apply Online

Tampa

Candace Blackburn

Mortgage Loan Officer
NMLS ID: 2017602
CBlackburn@servisfirstbank.com 
T: 813.751.0848
4221 W. Boy Scout Blvd.
Tampa, FL 33607

Apply Online

Product Information

Conventional Fixed Rate Mortgages

This is a loan that features a fixed rate for the life of the loan. These loans are available with a variety of terms, available in Conforming and Non-Conforming loan amounts.

Adjustable Rate Mortgage Loans (ARMs)

This mortgage features simple interest with an adjustable rate term. This loan type is typically helpful for those borrowers who anticipate only being in a home for a short period of time.

Federal Housing Administration Mortgage Loans (FHA)

This mortgage is federally insured by The Department of Housing and Urban Development. It is designed for first time homebuyers who require a small down payment and higher debt to income qualifications. This loan features the ability to finance your closing costs into the loan.

Non-Conforming (Jumbo) Mortgage Loans

This mortgage is designed for those borrowers needing to borrow more than $510,400. These loans are available in Fixed Rate, Interest Only and ARM terms.

Veterans Administration Mortgage Loans (VA)

This loan program is available from the Department of Veteran Affairs. It is designed to serve the needs of Veterans and allows 100% financing if needed. This borrower must have a valid Certificate of Eligibility to obtain a VA mortgage.

Affordable Housing/Low Income Program Mortgage Loans

ServisFirst Bank works hard to ensure all borrowers receive the opportunity of homeownership. We have many programs for low- or moderate-income borrowers. Most loans offer little down payment and flexible credit requirements.

The Consumer Finance Protection Bureau requires the following two booklets be provided to any consumers making mortgage application.

Settlement Cost Booklet CHARM Booklet

 

Frequently Asked Questions

What's in a number?

A lot, if you’re talking about your credit score. Lenders evaluate your ability to repay a loan based on your score. A well-known score is the FICO score (named for Fair Isaac Corporation which developed it), which uses a formula to calculate a single value to indicate creditworthiness and determine the risk involved in extending credit. Credit bureaus use different scoring systems, which range numerically from the 300s to about 900. The higher your score, the better chance you have of getting better terms for credit extended.

What determines a credit score?

Basically 5 factors determine your score –

  1. Past delinquencies
  2. The way you use your credit (usually running high balances versus keeping low balances that are paid in full monthly)
  3. Age of the credit file
  4. The number of inquiries on your credit file
  5. Your mix of credit (consumers with secured cards generally pose more risk than someone with a mix of installment loans and/or revolving lines)

What steps should I take to apply for a loan?

  1. Review your personal credit file to determine your score and whether any accounts are reported which are not yours. Contact the credit reporting agency immediately to begin clearing up any incorrect information. Gather receipts or other documentation you may need to prove that a debt shown on your report is not yours.
  2. Carefully review your finances to determine how much you can afford to pay each month for the credit you will be requesting. Check available rates for the type of loan you want, i.e., car loan, home equity line of credit, boat loan, mortgage loan, etc. A ServisFirst Bank representative can help with this process.
  3. Begin gathering documents required for the application process – W2s, tax returns, bank statements, etc. A ServisFirst Bank lending professional can guide you as to what is generally required.
  4. You’re ready to begin the application process! A little preparation can help the application process flow more smoothly. Take an active role in the loan process – you’ll be glad you spent the time up front.