Your Trusted Alabama Mortgage Experts
Kamron Kimbrough is a licensed independent Alabama mortgage broker and the founder of North Central Mortgage, located in Cullman, AL. He has extensive experience in fulfilling numerous Veterans’ mortgage and real estate needs and is a member of the Association of Independent Mortgage Experts (AIME). Kamron is a knowledgeable mortgage broker with exceptional communication skills, concierge-level service, professionalism, clear-eyed confidence, and a sharp eye for detail. Integrity, honesty, communication, and trust are the core values he lives his life around, and they are reflected in his work.
Kamron created North Central Mortgage to provide great rates and hassle-free mortgages to Veterans, first-time buyers, and move-up buyers throughout Alabama. He takes pride in fulfilling his client’s needs with loyalty, tenacity, and care. As a broker, Kamron enthusiastically leverages his expertise to help clients make sound and well-informed decisions on what is likely to be the largest purchase in their lifetimes.
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
Frequently Asked Questions
For your initial pre-approval we’ll ask questions about your income, assets, credit history and employment. Once you submit the online application we’ll need to verify the information you gave us with specific documentation, such as your last two years of W2 forms, most recent two months bank statements, most recent pay stubs covering 30 days and documents pertaining to other personally owned real estate. A licensed loan officer will review all your documentation and application to ensure we have all the information we need to ensure you are ready to buy your new home!
No! Getting started before you find a home may be the best thing you could do!
If you get started before you have a property to purchase, we can issue a pre-approval subject to you finding the perfect home, which you can use to assure real estate brokers and sellers that you are a qualified buyer. Getting pre-approved for a mortgage will even give more weight to any purchase offer you make.
When you find the perfect home, you’ll need to call your Loan Originator and provide your signed purchase agreement to complete your application. You’ll then have an opportunity to lock in our great rates and fees and we’ll complete the processing of your loan.
There are many advantages to homeownership:
A sound investment – When you carefully choose a home you can afford, the payoff can be great. As a homeowner, instead of paying rent to a landlord, each month when you make your mortgage payment, you are building equity in a place of your own. The more mortgage payments you make, the more equity you’ll have. And unlike most things you buy, a home can actually appreciate in value as time passes, building more equity.
- Tax advantages – The mortgage interest and real estate taxes you pay are tax deductible which can reduce your tax bill.
- Real estate is marketable.
- You can make your own decisions about design and décor.
- You can invest in upgrades that will not only bring you pleasure but can also add to the value of the property over time.
- You have control over the piece of property. You are not answering to a landlord.
I’ve heard about getting a Pre-Approved, but what’s the advantage if I haven’t even started looking for a house yet?
You wouldn’t go shopping for a new car without knowing how much you can afford. Why would buying a home be any different?
Pre-Approval Today = Less Stress House Shopping Tomorrow
Let’s face it. One of the most stressful things about buying a home is adjusting to your new mortgage payment. Knowing your family’s financial boundaries before shopping for your new home can make the process go much more smoothly.
Your pre-approval is an essential tool when house shopping, because it…
- Determines what homes are in your price range
- Assures real estate brokers and sellers that you are a qualified buyer
- Can be used to your advantage in future negotiations
Still Have Questions?
If you can’t find an answer to your question in the FAQ’s, you can always contact us and we’ll respond asap.