 After a call to Alabama Home Mortgage, you will know what price point to shop for, what down payment is required, if any, and what your monthly mortgage payment will look like. We take all the guessing out of it. Then, when you find the house you want to make your home, you are ready to make an offer. Along with your offer, you will submit your Alabama Home Mortgage pre-approval letter. This shows sellers that you've already taken the steps necessary to ensure that you qualify to purchase their home.