Home Loans - Troy, Alabama

I’m purchasing a

First-time buyer? Downsizing? Dreamsizing? We'll help you get home.

I’m refinancing my

Is a better opportunity knocking? We're here to answer.

Real Reviews from Real Homeowners


Troy, AL

"Working with Micah is always a great experience! Highly recommend he & his team."

Loan Officer

Micah Garrett

Brundidge, AL

"The e-sign was great I like that and the quick response from every question I had was very helpful thank you"

Loan Officer

Micah Garrett
James Knox

Glenwood, AL

"It was great working with Micah! He did a wonderful job!"

Loan Officer

Micah Garrett
Robert E

Troy, AL

"Micah was very helpful and ready to answer any question that we have. I would highly recommend to anyone considering purchasing a home."

Loan Officer

Micah Garrett

Apply With Our Local Home Loan Experts

Select a Loan Officer to Begin the Process

Micah Garrett

NMLS #: 201883

Assurance Financial Troy

515a South Brundidge St
Troy, AL 36081

(334) 403-9701

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Get Started With Your Home Loan

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.

Call (334)-403-9701

Get a free rate quote

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

Speak with an expert now

See how much house you can afford

Estimate your home buying budget before you fall in love.

Calculate your payment

Finding a home in Troy can be hard. We make finding the right loan type easy.

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Simple Application

Click a few buttons, and complete your application in as little as 15 minutes!

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Helpful Loan Officers

Incredibly friendly people who put the happy in home buying.

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On-Time Closings

We'll get you through your front door on schedule.

Refinancing? Let's talk about your options.


Make the most out of your equity for home improvements, tuition, or your latest dreams.

Interest Rate

Have you compared your current rate to ours lately? No harm in asking.

Loan Term

Lower payments or fewer years? Match your loan with your goals.

Build your dream home with experts guiding you through every step.

Custom Financing Options

We’ll find the best construction loan program to fit your needs.

Flexible Draw Schedules

We work with your contractor to ensure your project stays on track.

Competitive Rates

Set your build budget with a free personalized rate quote now.


Downloadable Guides

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

Our easy online application walks you through every step.

Apply online anytime, anywhere (even from your phone!) Plus, our helpful Loan Officers are always a phone call away if you need help.

Start your application

Connect with a Troy loan officer

Get Your Free Rate Quote

Our Branch Location

Assurance Financial Troy

515a S Brundidge St

Troy, AL 36081


Mortgage Lenders in Troy, Alabama

When you need to build, buy or refinance a home in Troy, you can depend on Assurance Financial for help. Our mortgage professionals will guide you through the loan process and offer customized solutions that meet your unique needs.

See How Assurance Financial Can Help With Your Situation

As a full-service mortgage lender in Troy, we pair our extensive experience with a variety of services to provide the guidance and opportunities you need for your mortgage.

We offer several loan types, including:

  • VA loans
  • FHA loans
  • Construction loans
  • Non-qualified loans
  • Modular home loans
  • Jumbo loans
  • First-time home loans
  • Conventional loans
  • USDA RD loans

When you speak with one of our home loan officers in Troy, you can trust that we have your best interests in mind. We’ll work with you to find the right financial solution for your needs and circumstances. Our mortgage experts will help determine the best home loan for you.

Experience All That Troy, Alabama, Has to Offer

Whether you are a young professional looking for a convenient place to commute from outside the city or a retiree wanting somewhere calm and quiet to settle down, you’ll find Troy, Alabama, to be the perfect location. Troy offers easy access to big cities, but it also has plenty of shopping and restaurants around town for convenient grocery shopping or a fun night out.

Troy is a beautiful place to live. From the classic architecture of Troy University to the vibrancy of downtown, nearly every area of Troy provides something to see and enjoy. With a moderate climate and affordable living, this Alabama town is perfect for individuals and families in all stages of life.

If you’re looking to build, buy or refinance, our mortgage lenders can help you make it happen. We’ll get to know you and your situation so we can help you find the perfect home in Troy.

Our Quick and Simple Home Loan Process

Assurance Financial is dedicated to helping you on your homeownership journey, which is why we’ve created a quick and efficient loan approval process. Simply follow these few steps:

  • Application: Get pre-qualified in just 15 minutes by providing your basic financial history. Apply for a home or refinancing for your current place.
  • Processing: Once you’ve completed your application, sit back and let us handle various steps such as appraisal, underwriting and approval. We’ll contact you if we need more information.
  • Funding: We’ll let you know when you’re clear to close. Sign with a notary and receive your funding.

We are here with you every step of the way to ensure your experience is seamless. Learn more about our full home loan process to see how we can help.

Partner With a Mortgage Loan Officer in Troy Today

As your trustworthy mortgage lender in Troy, Assurance Financial is ready to support you in achieving your goals. With our technology, friendly support and end-to-end services, you’ll enjoy an efficient loan process.

Apply today or contact our mortgage experts online to learn more about our services and capabilities.

Ready to Get Started?

You’ve come to the right place. We’re ready to give you a
first-class experience in applying for a home loan.