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With Joel

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Birmingham, AL

Joel Holmes

Loan Officer | NMLS #: 2664446

M 205-212-4168 O 659-272-2640 F 205-208-1631 jholmes@assurancemortgage.com

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Real Reviews from Real Homebuyers

Tate

Calera, AL

"Simple and easy process . Everything was straight forward and easy to understand ."

Loan Officer

Eric Kelly
Minnie

"So quick, efficient and responsive! A real pleasure to work with, thank you!!"

Loan Officer

Lindsey Ravenhorst
Latravis

Montgomery, AL

"The whole process."

Loan Officer

Amberly Jones
Anna

Warrior, AL

"Great communication, worked quickly to get things accomplished."

Loan Officer

Rutherford Yeates
Christian

Leeds, AL

"Top notch lender"

Loan Officer

Eric Kelly
Diane

Ellijay, GA

"Ms Ravenhorst was a pleasure to work with. Anytime I called or texted, she was available."

Loan Officer

Lindsey Ravenhorst
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Crunch The Numbers!
Estimate Your Payment

Get an idea of what your monthly payment may look like. For a full estimate, call me, your mortgage expert!

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$
years
$
$
%
%

Your LTV is less than 80%, so you will not need to pay PMI.

$
$
$

3,500

Monthly Payment

Real APR

0

Total of 360 Payments

0

Total Interest

0

Monthly Taxes

208

Monthly HOA

50

Monthly Insurance

50

Monthly PMI

0

All Payments and Fees

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

We’ve created these guides to be a valuable resource to walk you step-by-step through your next adventure.

About Joel

Joel Holmes is a Loan Officer in the Birmingham, Alabama Branch of Assurance Financial. He is licensed through the National Mortgage Licensing System and Registry in Alabama and Georgia.

Whether a new home purchase, refinance of an existing loan, or construction of a new home, Joel is able to help homebuyers in any stage of life achieve their dreams of homeownership.

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

500 Office Park Drive
Suite 410
Birmingham, AL 35223

(205) 212-4168

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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!

Mortgage Term Glossary

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Our Loan Process

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Mortgage Calculators

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