Apply

With Tom

Apply With Tom

Apply With Tom

Real Reviews from Real Homebuyers

Tim

Troy, AL

"Micah done a great job. Great experience and plevery easy. I would recommend him again."

Loan Officer

Micah Garrett
William Jared

Ozark, AL

"Ease of communication through the whole process."

Loan Officer

Micah Garrett
Kobe R

Ozark, AL

"Micah was very knowledgeable and communicated great."

Loan Officer

Micah Garrett
Lacy

Troy, AL

"Micah was great! He was able to answer every question we had and made this home buying process go so smooth."

Loan Officer

Micah Garrett
icon

Get Pre-Qualified for a Mortgage

Getting pre-qualified doesn’t affect your credit score. Plus it shows the seller you’re a serious buyer.

Apply Now
icon

Get a Free Rate Quote

Get a free personalized rate quote in minutes with the help of our mortgage experts.

Call (251) 362-5263
icon

See how much house you can afford

Estimate your home buying budget before you fall in love.

Call for a custom quote

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!

Call Tom
$

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

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

About Tom

Tom Smith is a Loan Officer in the Troy, Alabama Branch of Assurance Financial. He is licensed through the National Mortgage Licensing System and Registry in Alabama.

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

Videos

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

Send Tom a message

515a South Brundidge Street
Troy, AL 36081

(251) 362-5263

Hidden
Hidden
Interested in:
This field is for validation purposes and should be left unchanged.

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.

Email Tom
Realtor Resources

Downloadable Guide for Realtors

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

Mortgage Term Glossary

 READ MORE

Our Loan Process

 READ MORE

Mortgage Calculators

 READ MORE