Reviewed by: Nathan Watson
3 programs that can help you get keys to your first home in Birmingham—even if you don’t think you qualify
Reading time: 5 minutes
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Buying your first home is a major life milestone, but figuring out how to afford it can be a huge stressor. In fact, many people don’t think that homeownership is a possibility! We spoke with the friendly faces at Bryant Bank to learn how they help guide first-time homebuyers through the experience.
BONUS: Read on for three housing programs you’ll want to know about.
Something for every homeowner
At Bryant Bank, they’re not just here to help you buy a home, they’ll build a lasting relationship to support you and your family for years to come.
Whether you’re looking for the lowest downpayment possible or are simply wondering what the market entails, Bryant Bankers will get you ready for a new set of keys.
“We’re building real relationships with people. We’re here to be supportive because it’s hard to find a house right now. We know how frustrating it is for people trying to buy a house and not being able to find one. We’re all about honesty, integrity and doing the right thing for the customer.”
Lisa Zeig, Vice President Mortgage Loan Officer, Bryant Bank
Explore some of Bryant Bank’s mortgage options below. When you’re ready to begin the process, give them a call or begin your application now.
Meet Johnny and Lisa
Those friendly faces I mentioned? They’re right here! Meet Johnny Shunnarah and Lisa Zeig, Vice President Mortgage Loan Officers at Bryant Bank.
Since 2001, Johnny has been working with mortgage lending. His favorite part of the job? Getting to know each customer on a personal level.
“What gets me excited to go to work everyday is taking care of our people. It’s very seldom I get a phone call from a total stranger. We’re all connected in some way.”
Johnny Shunnarah, Vice President Mortgage Loan Officer, Bryant Bank
Lisa started her journey at Bryant Bank in January of 2021. With decades of industry experience under her belt, she’s not only personable and genuine, but she’s got incredible expertise.
“There’s so much joy seeing first-time homebuyers get into the house they envisioned, especially people who have maybe struggled along the way. It’s very heartwarming.”
Lisa Zeig, Vice President Mortgage Loan Officer, Bryant Bank
Programs to know
“You’re approved!” are the words everyone wants to hear when applying for a mortgage. Bryant Bank empowers you every step of the way to make that happen. These programs offer significant assistance towards buying a home for qualifying candidates:
Federal Housing Administration Mortgage Loans (FHA)
- This program is popular among first-time homebuyers due to the low down payment options available. Additionally, gifts are allowed as a down payment source, making it easier to come up with the required funds.
“Saving up that down payment is the hardest thing for most people right now. FHA is a low down payment option and allows borrowers to qualify with as little out of pocket as possible.”
Lisa Zeig, Vice President Mortgage Loan Officer, Bryant Bank
Home Possible and Home Ready products
- These loan programs were created to help low to moderate income households achieve their dream of homeownership.
“Additional low down payment loan options are Home Possible and Home Ready. They are fixed rate loans with minimal out of pocket expense to the borrower”
Johnny Shunnarah, Vice President Mortgage Loan Officer, Bryant Bank
Construction Loans
- If you can’t find a house that fits your needs, it might be better to build your own home. Since building a home from the ground up is no easy task, a Construction Loan can help cover the cost of the land, building materials, contractor label and other expenses.
“After the home is completed, we’d start transitioning the Construction Loan into a Permanent Loan—essentially just refinancing the Construction Loan to a regular one. This type of loan is great for people wanting to build their own home, either on their own or through a residential real estate development company.”
Johnny Shunnarah, Vice President Mortgage Loan Officer, Bryant Bank
Become a part of the Bryant Bank family
Wondering if you qualify for the amazing programs above? Want to explore even more options? The best way to get started is to give the experts at your local Bryant Bank a call.
From the first phone call, you’ll start building a personal relationship with your mortgage lender. They prioritize your goals above personal gain, whatever your situation may be, to get you into a wonderful home.
Keep up with all things Bryant Bank (Member FDIC and Equal Housing Lender), follow them on Facebook and Instagram + explore what they have to offer.
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