 When you call Alabama Home Mortgage, you will immediately see the difference in pricing. Not only do we offer the most competitive rate, but our closing costs rank among the lowest in the industry. How do we do it? Because we can. We do not have the overhead that big banks and lenders do. Those big banks and lenders have big expenses. And what do they do? They pass those expenses along to you. Meanwhile, here at Alabama Home Mortgage, we receive wholesale rates which result in big savings that we pass along to you. Don't pay more for less.