Mortgage Banking Officer
200 North Gault Avenue
Fort Payne, AL 35967
NMLS Number – 1392897
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Thank you for your interest in BBVA. I have the expertise to help analyze your situation and find the mortgage that best suits your needs.
I'm Chris O'shields, a Conforming Mortgage Banking Officer (C MBO) in Fort Payne. A little bit about me: I am a Fort Payne native and graduated from Liberty University. My wife Miranda and I have two children and we love Fort Payne because of I love North Alabama. My wife is graduating with a degree in Environmental Science and we have a deep love for the nature and beauty of the area. From the rivers and valleys of Little River Canyon, to the woods and streams of Desoto State Park, the area is breathtaking and inspiring. I have been dedicated to helping people in Fort Payne and surrounding buy their dream home with the right loan areas for nearly five years. If you are considering buying a home or refinancing your existing mortgage, it's important to explore your financing options. I will help you find the financing solution for your specific needs and will guide you throughout the process, from pre-qualification to closing. Take the next step in your home ownership journey. Contact me today.
Areas of Focus:
- Purchase and Refinance Transactions
- Conforming and Jumbo Loan Amounts
- Fixed and Adjustable Rates Programs
- Investment / Rental Property and 2nd / Vacation Home Mortgages
- Condominium Financing available, including options for Non-Warrantable Condos
- Professional (Doctors, Lawyers, CPAs, Oral Surgeons, and Dentists) Products
- First Time Home Buyer (FTHB) Programs
- Government Products (FHA, VA and USDA, including FHA Streamline and VA IRRRL)
- Fannie Mae HomeReady and DU REFI Plus (HARP 2.0)Products
- Lot Loans for Raw Land
- Combo Loans (Split 1st Mortgage and Piggyback Home Equity Loan or Line of Credit)
- Borrower and Lender-Paid Mortgage Insurance (BPMI or LPMI) Options
- Some 100% financing options available
- Over 3 years of experience in the mortgage industry.
NMLS ID 402936