Business Details
Your Trusted Mortgage Partner in Anniston, AL
Jackson Mortgage has served clients in Anniston, Alabama, and statewide for over three decades, establishing itself as a trusted partner in residential property financing. Founded by Larry Jackson, a lifelong Anniston resident and certified lender, the company combines deep local knowledge with personalized service to meet diverse home financing needs. Our team prioritizes direct client relationships, offering tailored solutions that large corporations often overlook. Recognized for excellence in loan volume and market share by the Alabama Mortgage Professionals Association, we maintain a AAA rating and BBB accreditation. With expertise in VA, FHA, USDA, and conventional loans, we provide competitive rates and flexible terms to accommodate various income and credit profiles.Our commitment to transparency ensures clients receive clear information and no hidden fees throughout the mortgage process. The team, including Larry's daughter Kelsey Jackson and experienced loan officer Corin Butler, brings a family-oriented approach to every transaction. We pride ourselves on swift service, with recent clients closing on homes in under a month. As active community members, we support local organizations and prioritize client satisfaction through every stage of homeownership.
Services
VA Loans
FHA Loans
USDA Loans
Conventional Loans
Mortgage Refinancing
Highlights and features
- We offer over 30 years of experience in residential mortgage financing.
- Our team provides personalized service with face-to-face client interactions.
- We specialize in VA loans with 100% financing for qualifying veterans.
- We maintain a BBB-accredited business with AAA rating status.
- Our local expertise serves clients across the entire state of Alabama.
Associations and certifications
- BBB
What people say
Personable, professional
Efficient and thorough
Treated like family
Fast and efficient
Excellent service
Services
VA Loans
VA loans provide 100% financing options for current and former U.S. military members. These government-backed mortgages require no down payment with full VA entitlement, eliminate private mortgage insurance requirements, and offer fixed-rate options. Our team specializes in navigating VA loan processes, including cash-out refinances and interest rate reduction loans, while ensuring compliance with eligibility requirements and property limits.
FHA Loans
FHA-insured loans cater to first-time homebuyers and those with moderate incomes. These flexible mortgages require only 3.5% down payments, accept gift funds for down payments, and allow seller contributions toward closing costs. We guide clients through FHA loan requirements including minimum credit scores, income verification, and property condition standards while offering streamline refinancing options for existing FHA borrowers.
USDA Loans
USDA loans offer 100% financing for homes in designated rural areas. These 30-year fixed-rate mortgages require no down payment while meeting USDA income eligibility limits based on household size and location. Our experts verify property eligibility, assist with income documentation, and process both purchase and streamline refinance transactions for qualified applicants seeking affordable homeownership solutions in eligible communities.
Conventional Loans
Conventional fixed-rate mortgages provide stable monthly payments with rates locked for loan terms. We offer options with down payments as low as 3% for first-time buyers, eliminate PMI requirements with 20% down, and facilitate seller contributions toward closing costs. Our conventional loan program includes rate/term and cash-out refinancing options up to 80% loan-to-value ratios for qualified borrowers.
Mortgage Refinancing
Our refinancing services help homeowners reduce monthly payments, shorten loan terms, or access home equity. We offer VA IRRRL, FHA streamline, USDA streamline, and conventional rate/term refinancing options. The process includes evaluating current loan terms, verifying home value, and securing improved rates while maintaining compliance with underwriting guidelines for each loan type.
People
Larry Jackson
Owner
Larry Jackson, a lifelong Anniston resident and Jacksonville State University graduate, has led Jackson Mortgage for over 30 years. Recognized as a top Alabama mortgage originator, he serves on the Jacksonville State University Foundation Board and brings decades of local market expertise to every client interaction.
Kelsey Jackson
Company Spokeswoman
Kelsey Jackson, daughter of owner Larry Jackson, has represented the company since childhood in their iconic 'Call My Daddy!' campaigns. A University of Alabama graduate with dual degrees, she continues to embody the company's commitment to community and personalized service through her public-facing role.
Corin Butler
Loan Officer
Corin Butler, a Bob Jones High School and Jacksonville State University marketing graduate, brings extensive mortgage process knowledge to clients. With experience guiding homeowners through purchases and refinances, she resides in White Plains with her family while maintaining a reputation for professional, stress-free transactions.
Questions
What mortgage loan options do you offer?
We offer VA, FHA, USDA, and conventional fixed-rate mortgages, including refinancing options for all loan types to meet diverse home financing needs.
How do I start the mortgage application process?
Begin by contacting us at (256) 237-5177 or submitting information through our secure online portal to initiate your mortgage application process.
Do you serve areas outside Anniston?
Yes, we serve clients throughout the entire state of Alabama while maintaining our Anniston-based office for in-person consultations.
What credit score is required for mortgage approval?
Minimum credit scores vary by loan type: 600 for VA/FHA, 620 for USDA, and 680 for conventional loans with specific exceptions considered.
How quickly can you close on a mortgage?
Our efficient team typically closes loans in under a month, with recent conventional loan closings completed in just 16 days for qualified applicants.
Are you a BBB-accredited business?
Yes, we maintain a BBB-accredited business status with AAA rating, reflecting our commitment to ethical business practices and customer satisfaction.
