Birmingham, AL

Eric Kelly

Branch Manager / Loan Officer | NMLS #: 78396

Real Reviews from Real Homebuyers

MP

"Eric, PJ and Savanah is the best people to work with if you guys looking for your loan mortgage. Thanks for helping me!"
Thomas

Calera, AL

"Everything went smoothly"
Christopher

Vestavia Hills, AL

"Eric and his team is always a pleasure to work with. They’re thorough, communicative, and knowledgeable."
Ashley McNabb

Prairieville, LA

"Easy, stress-free and fast process!"
Jan

Bessemer, AL

"Great communication. Quick and efficient"
Amelia Elizabeth

Birmingham, AL

"Helpful, explained everything, available when we had questions"
Steven J

Union Grove, AL

"Always available"
Rion

Dayton, OH

"Eric and his team were very knowledgeable."
Ryan Crowley

"Everything was streamlined and communication was excellent!"
Ryan

Pelham, AL

"Everything was streamlined and communication was excellent!"
James Brad

Homewood, AL

"Eric and his team were on top of everything through the whole process. Would highly recommend."
Sue

Graysville, AL

"Lots of emails and follow ups ,"
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Crunch The Numbers!
Estimate Your Payment

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$

5%

1%

6%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Insurance $1421

Monthly PMI $0

Legal Disclosures

The AFG mortgage calculator is for estimation purposes only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.

Here’s a payment example based on an average home price and the most common loan type:

Loan amount: $300,000
Loan type: 30-year Fixed-Rate Loan
Interest rate/APR: 7.375% (7.692% APR)
Monthly payment: $2,072.03
Points: 1.875 points, costs due at closing
Loan-to-value (LTV): 80.00%

One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Rates shown are valid on publication date of April 18, 2024.

1If you didn’t enter taxes and insurance amounts, an estimate of your taxes is based on the state selected. This does not include all fees.

Resources

Downloadable Guides

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About Eric

Eric Kelly is the Branch Manager/Loan Officer for the Birmingham, AL Branch of Assurance Financial! 

Eric has a beautiful wife  Michelle, and two daughters, Lillian Grace  and Vivienne.

Eric spent his college days at LSU, where he earned his Bachelor of Science in Finance, which paved the way for his 20 years of experience in the mortgage industry. Thanks to Hurricane Katrina, Eric was forced to move in 2005 and chose Birmingham as his new home. He had been working as a loan officer/mortgage broker (there is a difference) for Atlantic Lending Company and upon his displacement, decided to make a fresh start and agreed to assist Assurance Financial in opening the first branch in Alabama. The Birmingham branch consistently ranks in the top Assurance Financial branches!

Eric says, “I am driven, not by the dollar, but by the relationships I am building along the way. I thrive on beating my competition, customer service aside, as I am typically able to offer purchasers the lowest rate available. The company’s platform enables me to offer a quick turnaround time, standard is three weeks, but I have closed a loan in as few as seven days! I have bought many houses and I know the pressures that go along with the process. For that reason, I am available to you 24/7. This is the biggest investment of your life and remember there are never any stupid questions and I look forward to helping you get into your new home!”

Did you get this? A free 15 minute phone call can answer a lot of your questions. Let’s talk!

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My Services
  • New Home Purchase Loans
  • Refinance Loans
  • FHA and Rural Development Loans
  • Veteran (VA) Loans
  • Construction and Renovation Loans

Send Eric a message

500 Office Park Drive
Suite 410
Birmingham, AL 35223

(205) 542-2327

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Free Realtor Tools

My Realtor partners get free access to marketing tools such as single property websites, open house flyers, database management software, and more! Email me to get started.

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Realtor Resources

Downloadable Guide for Realtors

This helpful mortgage guide is a great resource for our partners. Check it out!