Mortgage Loan Originator
Assistant Vice President (AVP)
401 West Valley Avenue
Homewood, AL 35209
NMLS Number – 195593
Get StartedApply Now
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 James Southern a Mortgage Loan Originator. I graduated from The University of Southern Mississippi in Hattiesburg, MS. I have now called Birmingham, Alabama home for over 14 years. I have over 12 years of lending experience. 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. Construction and Renovation loan expert as well.
- Over 12 years experience in the mortage industry.
NMLS ID 402936