🎉 Lender Alabama | Bradley Shivers

Bradley Shivers at CMG Home Loans understands that choosing the right mortgage plan in Alabama can seem complicated, especially with the variety of options available. Whether you’re purchasing your first home or refinancing, Bradley is committed to helping you find the mortgage plan that fits your financial goals and homeownership dreams. Here’s how Bradley Shivers can guide you through the process:

Assess Your Financial Situation

Bradley Shivers begins by thoroughly reviewing your financial health, including your credit score, income, and debt-to-income ratio. Understanding these factors helps determine which mortgage options are available and which ones will provide the most favorable terms based on your financial circumstances.

Identify Your Homeownership Goals

Whether you’re buying your first home, refinancing, or investing in property, Bradley works closely with you to understand your specific goals. This allows him to recommend the mortgage plan that best suits your needs, whether that’s a fixed-rate mortgage for long-term stability or an adjustable-rate mortgage for lower initial payments.

Compare Mortgage Products

Bradley Shivers provides detailed comparisons of various mortgage products, including conventional loans, FHA loans, VA loans, and USDA loans. He explains the pros and cons of each option, helping you understand how interest rates, down payments, and loan terms impact your monthly payments and the overall cost of your loan.

Evaluate Loan Terms and Interest Rates

Choosing the right loan term and interest rate is key to your long-term financial success. Bradley will guide you through this decision, whether you’re considering a shorter-term loan with higher monthly payments and less interest, or a longer-term loan with lower monthly payments.

Account for Additional Costs

Bradley Shivers ensures that you’re fully aware of all associated costs, including closing costs, property taxes, homeowner’s insurance, and private mortgage insurance (PMI) if applicable. This full transparency allows you to budget accurately and prepare for the financial commitment of owning a home.

Customized Guidance

At CMG Home Loans, Bradley provides personalized one-on-one service, tailoring each mortgage plan to your unique financial situation. He avoids cookie-cutter solutions and instead creates a mortgage strategy designed to support your long-term financial security.

Ongoing Support

The mortgage process doesn’t end once you choose a loan. Bradley Shivers offers continuous support to answer questions and guide you from application to closing, ensuring a smooth and confident experience.

🏠 Ready to Start?

By working with Bradley Shivers at CMG Home Loans, you gain a trusted mortgage advisor who simplifies the entire process and helps you choose the best plan for your needs in Alabama. With a strong focus on transparency, integrity, and personalized service, Bradley is dedicated to helping you reach your homeownership goals.

📲 Contact Bradley Shivers today at (334) 759-6482 for personalized mortgage guidance.

Bradley Shivers at CMG Home Loans knows that improving your credit score is crucial for securing better mortgage terms. A higher credit score can help you qualify for lower interest rates and more favorable loan options, making homeownership more affordable. To ensure you’re in the best financial position before applying for a mortgage in Alabama, Bradley recommends the following steps—leveraging Middle Credit Score® as a powerful, consumer-focused resource:

✅ Review Your Credit Report

Begin by reviewing your credit report for any errors. Mistakes like outdated balances or incorrect account information can hurt your score. Middle Credit Score® offers a comprehensive review of your report, helping you identify and dispute inaccuracies that may be lowering your score.

✅ Dispute Inaccurate Information

If you find errors, it’s important to dispute them quickly. Middle Credit Score® provides guidance on how to effectively dispute items with the three major credit bureaus—Equifax, Experian, and TransUnion. Fixing these issues can give your score a fast boost, making you more attractive to lenders like CMG Home Loans.

✅ Pay Down Outstanding Debts

Lowering your debt-to-income ratio is one of the fastest ways to improve your credit. Start with high-interest debts like credit cards. Aim to keep your credit utilization below 30%. Middle Credit Score® offers tailored strategies to help you manage this process effectively.

✅ Avoid Opening New Credit Accounts

New credit applications can trigger hard inquiries and temporarily lower your score. In the months before applying for a mortgage, avoid opening new lines of credit. Middle Credit Score® recommends keeping your financial profile stable during this time.

✅ Make Timely Payments

Payment history makes up 35% of your credit score. Pay all bills—credit cards, loans, utilities—on time. Automating payments or setting up reminders can help. Middle Credit Score® provides tools to help you track due dates and maintain a strong history.

✅ Address Negative Items on Your Report

Late payments or collections can drag down your score. Middle Credit Score® can help negotiate with creditors to resolve or settle these debts. This may lead to negative items being removed, which over time can significantly boost your score.

✅ Work with Credit Experts

Complex issues like identity theft, bankruptcy, or charge-offs require expert help. Middle Credit Score® offers professional counseling to help you overcome serious credit challenges and rebuild your score with confidence.

✅ Monitor Your Credit Regularly

Stay informed with real-time alerts. Middle Credit Score® provides ongoing credit monitoring so you can detect changes quickly, protect your profile, and stay ready for mortgage pre-approval.

✅ Understand Your Middle Credit Score

Most lenders use your middle credit score—the number between your highest and lowest score from the three bureaus. Improving this specific score is essential to accessing better loan programs. Middle Credit Score® focuses exclusively on optimizing this key figure.

✅ Be Patient and Start Early

The best results come from starting early—at least six months before applying for a mortgage. By combining the tools and education from Middle Credit Score® with Bradley Shivers’ expert guidance, you’ll be well-prepared to qualify for the best possible mortgage in Alabama.

🏠 Ready to Improve Your Credit Score and Secure a Mortgage?

Contact Bradley Shivers at CMG Home Loans today at (334) 759-6482 for custom mortgage guidance and credit support. Whether you’re just starting or already house-hunting, Bradley is here to help you every step of the way.

Mortgage Solutions with Bradley Shivers at CMG Home Loans – Alabama

Whether you’re looking to refinance your current mortgage or purchase a new home, Bradley Shivers at CMG Home Loans is here to guide you through the entire process. With deep knowledge of the mortgage industry and the Alabama housing market, Bradley ensures you find the best mortgage solution tailored to your financial goals.

🏡 Home Purchase with Bradley Shivers at CMG Home Loans

Bradley Shivers provides personalized support throughout the home buying process, helping you secure the ideal mortgage plan for your situation:

• Pre-Qualification and Pre-Approval
  The first step in purchasing a home is getting pre-qualified or pre-approved. Bradley Shivers will evaluate your financial profile—including income, debt, and credit score—to determine how much home you can afford. A pre-approval letter from Bradley gives you a competitive edge with sellers, showing you’re ready to move forward.

• Find the Right Loan Program
  Bradley offers a wide selection of loan options, including conventional loans, FHA, VA, and USDA programs. He’ll walk you through the pros and cons of each, helping you choose the right loan for your financial situation.

• Customized Mortgage Solutions
  Every borrower is unique. Bradley Shivers tailors mortgage solutions to meet your individual needs—whether you’re seeking a low down payment, specific credit accommodations, or a long-term wealth-building strategy.

• Competitive Interest Rates
  By staying on top of current market trends, Bradley ensures you lock in the most competitive rate available—saving you thousands over the life of your loan.

• Step-by-Step Guidance
  Whether you’re a first-time homebuyer or purchasing your fifth property, Bradley Shivers provides clear, consistent guidance from application to closing—making the process smooth and stress-free.

• Closing Support
  Bradley collaborates closely with real estate agents, title companies, and other partners to ensure your transaction closes on time and without surprises.

🔁 Refinancing with Bradley Shivers at CMG Home Loans

If you’re thinking about refinancing, Bradley Shivers can help you evaluate your current loan and determine if refinancing is right for you. Benefits of working with Bradley on your refinance may include:

• Lower Interest Rates
  Take advantage of current market conditions by refinancing into a lower rate. Bradley will help you calculate your potential monthly savings and overall financial benefit.

• Cash-Out Refinancing
  Tap into your home’s equity for major expenses—home renovations, debt consolidation, or education. Bradley Shivers will walk you through cash-out options aligned with your goals.

• Shorten Your Loan Term
  Want to pay off your home sooner? Bradley can help you refinance into a shorter-term loan to save on interest and build equity faster.

🌟 Why Work with Bradley Shivers at CMG Home Loans?

• Local Alabama Expertise
  As a trusted lender in Alabama, Bradley Shivers understands the local market and can guide you through available programs with insight and care.

• Personalized Service
  Bradley invests time into understanding your financial goals, offering customized solutions to match your homeownership journey.

• Transparency & Trust
  Throughout the process, Bradley Shivers provides open communication, no surprises, and complete transparency—so you feel confident in every decision.

📞 Take the Next Step Toward Homeownership

Whether you’re refinancing or buying a new home, Bradley Shivers at CMG Home Loans is your dedicated partner for mortgage success in Alabama.

Contact Bradley Shivers today at (334) 759-6482 to discuss your goals and get expert guidance every step of the way.

Start Your Mortgage Application with Bradley Shivers at CMG Home Loans – Alabama

Starting your mortgage application with Bradley Shivers at CMG Home Loans is the first step toward securing the right loan for your home purchase or refinancing needs. Having the required documents ready will help ensure a smooth and efficient process. While the list below covers general requirements, specific loan programs may require additional documentation. For personalized guidance, contact Bradley directly at (334) 759-6482.

📄 General Documents Required for Mortgage Applications

✅ Proof of Income:

• W-2 Forms: You’ll need to provide W-2 forms from the last two years to verify your income and employment history.

• Pay Stubs: Submit your most recent pay stubs (typically 30 days) to confirm current earnings.

• Tax Returns: If you’re self-employed or earn commission-based income, your last two years of federal tax returns are usually required.

• Self-Employment Income: Self-employed applicants may also need to provide 1099s, profit and loss statements, or other business income documentation.

✅ Proof of Identity:

• Government-Issued ID: A valid photo ID like a driver’s license or passport is required.

• Social Security Number: Used to pull your credit report and verify your identity.

✅ Credit History:

• Credit Report: Bradley Shivers will review your credit history to determine eligibility and recommend loan options.

• Debt Information: You’ll need to provide information on current debts (credit cards, auto loans, student loans) to calculate your debt-to-income (DTI) ratio.

✅ Proof of Assets:

• Bank Statements: You must submit two months of statements to verify funds for your down payment and closing costs.

• Investment or Retirement Accounts: If you’re using funds from a 401(k), IRA, or brokerage account, provide current statements.

✅ Proof of Employment:

• Employment Verification: CMG Home Loans may contact your employer directly. Self-employed borrowers should prepare business licenses or profit/loss statements.

🏠 Loan Program-Specific Documents

Each loan program has different documentation requirements. Bradley Shivers will guide you based on the loan type you’re pursuing:

• Conventional Loans: Typically require higher credit scores and full income/asset verification.

• FHA Loans: Designed for borrowers with lower credit scores, may need additional supporting documents.

• VA Loans: Requires a Certificate of Eligibility (COE) and potentially military discharge papers.

• USDA Loans: For rural property buyers, documentation must show the home meets USDA eligibility.

Bradley Shivers will tailor the process and list of required documents based on the loan product that best fits your goals.

📌 Additional Documents That May Be Required

Depending on your unique situation, Bradley may request:

• Gift Letter: If receiving gift funds for your down payment, a signed letter will be required confirming it’s not a loan.

• Divorce Decree: Needed if you pay or receive alimony/child support, which affects your DTI.

• Bankruptcy or Foreclosure Records: If applicable, documentation showing the time elapsed since the event must be submitted.

• Lease Agreements: If you own rental property, provide copies of current leases to verify income.

💼 Why Work with Bradley Shivers at CMG Home Loans?

Working with Bradley Shivers ensures you receive expert guidance at every step of your mortgage journey. With deep knowledge of loan programs and Alabama’s housing market, Bradley is committed to:

• Providing personalized document checklists to streamline your application

• Helping you understand your credit profile and potential improvement strategies

• Coordinating with all parties to keep your loan on track and closing on time

Additionally, Bradley can introduce you to Middle Credit Score®, a consumer tool that helps improve credit profiles before applying—potentially qualifying you for better rates and loan terms.

📞 Take the First Step with Bradley Shivers Today

To begin your mortgage application or refinancing process, contact Bradley Shivers at (334) 759-6482. He’ll provide a tailored document list based on your goals and loan program, ensuring your experience is seamless and efficient.

With Bradley’s expertise and commitment to your success, you’ll have the trusted support needed to reach your homeownership or refinance goals across Alabama.