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Joel Holmes

Birmingham, AL

Joel Holmes

Loan Officer | NMLS #: 2664446

M 205-212-4168 O 659-272-2640 jholmes@assurancemortgage.com

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Real Reviews from Real Homebuyers

4.97 Stars Based on 88 Reviews
Jessica Lynn

Attalla, AL

"Taking the time to clarify any questions, kind when suggestions and answers differ--Joel made sure we did what was best for our family and our situation."
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Joshua Lyn

Attalla, AL

"Joel was extremely helpful answering g my questions and making sure I understood and was aware of the process."
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Joseph

Jacksonville, AL

"Speed and professionalism. I told Joel I had to be out of the place I was living quickly and unexpectedly. From the start anything I needed help with or had questions for him he was right there to answer. The house buy itself was fast and everything was handled correctly the first time. Very happy with the experience overall and now me and my family are in a great house. Thank you Joel!"
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Katie

Mountain Brook, AL

"Joel was the perfect balance between with communication- I always knew where we stood but never felt he was bombarding me. Five star service but I knew to expect that with Assurance! I would absolutely recommend Joel and the Assurance group."
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Jo

Odenville, AL

"Joel was wonderful to work with from start to finish. He was responsive, patient, and always willing to explain things clearly when I had questions. Buying a home while also selling another home and moving to a new state came with a lot of moving parts, and he helped make the financing side feel organized and manageable. I always felt like I knew what was happening and what came next. I really appreciated his communication, professionalism, and how smoothly he helped get everything to closing. He even made a point to come to closing. It was nice to put face to the name."
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Kayla

Bessemer, AL

"Joel was very attentive, caring, and determined to help me throughout my entire pre-approval process. I would recommend him to anyone!!"
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John Blake

Calera, AL

"Good communication and all questions answered"
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Damien

Alexandria, AL

"He done an awesome job"
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Rochelle

Alexandria, AL

"Joel Holmes himself made the experience GREAT!"
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Donald RW

Moody, AL

"Joel and his team are amazing. They go to work right away, keep you informed on how the process is going. Very responsive with questions and concerns. I could not recommend a better group of people."
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Anthony Scott

Fruithurst, AL

"Everyone was working around the clock to try and find me the best possible outcome for anything; rates, payments, and even the amount of money I was getting back. Everyone worked their hardest all the way up until the end. Even at the finish line everyone informed me that I could call or text anytime and they would always be there. Great experience"
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Rachel

Moody, AL

"Joe was amazing at helping our first time homebuyers navigate they're lending options. I'm buying is a big decision especially when you're doing it for the first time and it's always great for us to know we have a lending partner in our corner who is patient and thorough when answering questions that our clients might have! Highly recommend Joel and his team."
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Crunch The Numbers!
Estimate Your Payment

Get an idea of what your monthly payment may look like. For a full estimate, call me, your mortgage expert!

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$
years
$
%
$
%

Your LTV is less than 80%, so you will not need to pay PMI.

$
$
$

$3,500

Monthly Payment

Real APR

0

Monthly Taxes

208

Monthly HOA

0

Monthly Insurance

50

Monthly PMI

0

Monthly Principal and Interest

0

Calculators provide estimates only. Estimates shown should not be considered exact payments. Contact your local loan officer for precise and personalized information. See full legal disclosures.

Legal Disclosures

The AFG mortgage calculator is for estimation purposes only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.

Here’s a payment example based on an average home price and the most common loan type:

Loan amount: $300,000
Loan type: 30-year Fixed-Rate Loan
Interest rate/APR: 7.375% (7.692% APR)
Monthly payment: $2,072.03
Points: 1.875 points, costs due at closing
Loan-to-value (LTV): 80.00%

One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Rates shown are valid on publication date of April 18, 2024.

1If you didn’t enter taxes and insurance amounts, an estimate of your taxes is based on the state selected. This does not include all fees.

Resources

Downloadable Guides

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About Joel

Joel Holmes is a Loan Officer in the Birmingham, Alabama Branch of Assurance Financial. He is licensed through the National Mortgage Licensing System and Registry in Alabama and Georgia.

Whether a new home purchase, refinance of an existing loan, or construction of a new home, Joel is able to help homebuyers in any stage of life achieve their dreams of homeownership.

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My Services
  • New Home Purchase Loans
  • Refinance Loans
  • FHA and Rural Development Loans
  • Veteran (VA) Loans
  • Construction and Renovation Loans

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Send Joel a message

500 Office Park Drive
Suite 410
Birmingham, AL 35223

(205) 212-4168

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Free Realtor Tools

My Realtor partners get free access to marketing tools such as single property websites, open house flyers, database management software, and more! Email me to get started.

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Realtor Resources

Downloadable Guide for Realtors

This helpful mortgage guide is a great resource for our partners. Check it out!

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Our Loan Process

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By submitting this form, you agree to receive marketing text messages from Assurance Financial at the number provided. Message and data rates may apply. Message frequency varies. Reply STOP to unsubscribe or HELP for assistance. For more details, please review our Privacy Policy and Terms & Conditions at AssuranceMortgage.com/privacy-policy