
Located in Alabama
Personalized Mortgage Experience
Scott Moulton offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Mortgage Programs
Experience the best mortgage experience located in Alabama.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Yes! There are a number of bond programs that offer low or no down payment financing options.
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.

As we head into 2026, the housing market isn’t resetting — it’s evolving into a more balanced and buyer-centric landscape. After years of skyrocketing prices and ultra-low inventory, the conditions that shaped buyer behavior in the early 2020s are shifting. Whether you’re a first-time homebuyer, a move-up buyer, or an investor, understanding these trends will help you make smarter decisions in the year ahead.
One of the most significant forces influencing buyer behavior is mortgage rates finally settling into a more predictable range. Experts forecast average 30-year mortgage rates around 6%–6.3% in 2026, easing some of the financial pressure buyers faced in recent years.
➡️ Why It Matters: Lower and stable rates expand buying power for many households, particularly first-time buyers who paused their searches during the high-rate environment of 2023–2025.
Inventory — the number of homes for sale — is projected to continue growing in 2026, easing the tight supply that has frustrated buyers for years. Realtor.com forecasts an 8.9% increase in active listings, bringing the market closer to a balanced ~4.6 months’ supply.
➡️ Why It Matters: More options translate to better negotiating power for buyers and fewer bidding wars, making the home search less stressful and more strategic.
After a pause in activity in recent years, home sales are expected to rise in 2026:
The National Association of REALTORS® projects a ~14% increase in existing-home sales, driven by easing rates and sustained demand.
Zillow economists also forecast modest growth in sales and home values, with more markets seeing price stability.
Meanwhile, surveys show that a large majority of prospective buyers plan to purchase in 2026 — with many waiting for the right price or mortgage terms before jumping in.
While macroeconomic indicators are important, buyer preferences themselves are evolving:
Buyers increasingly want homes that fit modern lifestyles — including:
Open floor plans and flexible spaces
Dedicated home offices
Energy-efficient features and EV charging stations
Amenities like parks, gyms, or community spaces in developments
This shift reflects a broader trend where functionality and daily living quality are as critical as price or location.
Different generations are shaping the housing market in distinct ways:
Millennials continue to dominate demand, especially in suburban and urban areas.
Baby Boomers are downsizing for single-story living or retirement-friendly communities.
Gen Z is strengthening the rental and multifamily market before transitioning to ownership later on.
This diversity in demand is influencing developers and realtors alike as they tailor listings and design new communities.
Real estate tech isn’t just a buzzword — it’s reshaping buyer behavior:
AI tools are helping buyers search smarter, find matches faster, and anticipate market changes.
Virtual and augmented reality tours continue to remove geographic barriers, allowing buyers to explore homes remotely.
These tools not only streamline the process but also help buyers make more confident, data-informed decisions.
Gone are the days when bargain fixer-uppers dominated the market. In 2026, buyers are placing a premium on move-in-ready homes — often without the hassle of renovations. Experts predict that homes that require little to no work will continue to attract strong interest.
Buyer behavior in 2026 is being shaped by a combination of macro trends and personal priorities:
More balanced markets and stabilized mortgage rates are bringing confidence back to buyers.
Growing inventory empowers buyers with choice and leverage.
Lifestyle preferences and generational shifts are redefining what “ideal housing” looks like.
Technology and convenience have become must-have parts of the homebuying journey.
For anyone considering buying in 2026, the market still demands preparation — but it also offers more opportunity and clarity than we’ve seen in years.
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