Jose Kraft

Mortgage Loan Originator

Assistant Vice President (AVP)

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401 West Valley Avenue
Homewood, AL 35209

NMLS Number – 1937284

205-297-5605 (Office)

205-410-3537 (Mobile)

205-524-4403 (Fax)

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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 Jose Kraft a Mortgage Loan Originator, bilingual (English - Spanish). I graduated from British Columbia Institute of Technology in Vancouver, Canada where I lived for more than ten years. Now home is in Birmingham Alabama. Please contact me I'll be glad to assist you in the process of financing your new home or refinancing your current mortgage. Thank you.

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

NMLS ID 402936