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Alabama Self Employed Mortgage Lenders No Tax Return AL Mortgage

ALABAMA SELF EMPLOYED MORTGAGE LENDERS- NO TAX RETURNS NEEDED!
ALABAMA SELF EMPLOYED MORTGAGE LENDERS!

Alabama self employed  Bank Statement Mortgage Lenders + No Tax Return Mortgage Lenders 

Occupancy Primary Residence, Second Homes

Eligible Alabama self employed  mortgage homes Types One Unit Single Family Residences (Attached and Detached), PUDs (Attached and Detached), Condos (Low and High Rise), Site Condo, Townhouse, 2-4 Unit Properties, Modular Homes, Hobby Farms, and Mixed-Use Properties. 

General Alabama self employed  mortgage homes must be in average or better condition. Properties in C5 or C6 condition are not acceptable. Deferred maintenance is allowed subject to the requirements below. 

Alabama self employed  Bank Statement Mortgage Lenders  Types 30 year Fixed, 5/1 ARM, 7/1 ARM, 10/1 ARM, 5/1 ARM-IO, 7/1 ARM-IO, and 10/1 ARM-IO

All Properties Square Footage Minimum of 600 square feet of gross living area.

Minimum FICO The primary wage-earner score is used as the Representative Credit Score for each loan. Primary wage-earner may be an occupying or non-occupying co-Bank statement no tax return Alabama self employed  mortgage applicants. The primary wage-earner must have a valid score from at least 2 of the following 3 agencies: Experian (FICO), Trans Union (Empirica), and Equifax (Beacon). Only scores from these agencies are acceptable. Additional co-Bank statement no tax return Alabama self employed  mortgage applicants on the loan must have at least one valid score of 500 or greater. To determine the Representative Credit Score for the primary wage-earner, select the middle score when 3 agency scores are provided and the lower score when only 2 agency scores are provided

Employment All Bank statement no tax return Alabama self employed  mortgage applicants must have a 2-year employment history. Bank statement no tax return Alabama self employed  mortgage applicants should provide a signed, written letter of explanation for any employment gaps that exceed 30 days in the most recent 12 month period, or that exceed 60 days in months 13-24. Bank statement no tax return Alabama self employed  mortgage applicants newly employed are allowed with documentation showing the Bank statement no tax return Alabama self employed  mortgage applicants was previously in school or a training program and Bank statement no tax return Alabama self employed  mortgage applicants is now employed in that line of work. 

Income Paystub(s) covering the most recent 30-day period providing year-to-date earnings at approval date. E.g. paid weekly = 4 paystubs, Bi-weekly/semi-monthly = 2 paystubs. Self-employed Two years personal and business tax returns with all schedules if Bank statement no tax return Alabama self employed  mortgage applicants has 25% or greater ownership interest in the business. Personal and business tax returns must be validated through a 4506-T and 8821 when applicable. If tax transcripts are not available due to recent filing, a copy of the IRS notice showing “No record of return filed” is required in addition to the previous 2 years validated tax returns. Bank statement no tax return Alabama self employed  mortgage applicants are qualified using the returns validated. A Liquidity Test is not required to qualify the Bank statement no tax return Alabama self employed  mortgage applicants. Non-Salaried Two years documentation and evidence of at least 3 year continuance is required. Retirement Income requires a copy of the award letter and most recent 1099’s OR 3-months consecutive bank statements showing receipt of the income. Social Security income can be taxed up 25% or an amount that is prudent based on federal tax levels but not to exceed 25%. Documentation is required to show the income is non-taxable. Alimony and child support must be received at least 6-months to be used for qualifying. Rental Income Rental income from a 1-unit primary residence or second homes may not be used. Boarder income cannot be used. Note: If rental income from the subject Alabama self employed  mortgage homes is not being used to qualify, the gross monthly rent must still be documented with appraisal forms 1007 and 216 for lender reporting purposes. The full PITIA on all rental properties must be considered in the debt ratio when rental income is not used to qualify. Subject Alabama self employed  mortgage homes (2-4 unit primary residence) – use the income approach section from the appraisal and a copy of the current lease is required. If the Alabama self employed  mortgage homes has been owned for at least 1 year, Bank statement no tax return Alabama self employed  mortgage applicants to provide tax returns with at least a 12 month rental history. If the Alabama self employed  mortgage homes has been owned less than 1 year, rental income is calculated per the income approach from the appraisal. Rental Income from other real estate owned – rental income from another Alabama self employed  mortgage homes owned prior to loan application should be calculated using the Bank statement no tax return Alabama self employed  mortgage applicants’s federal income tax returns for the most recent 12-month period (Cash Flow Analysis from Schedule E). Income should be averaged. Net rental losses should be included in ratios as a liability. For properties owned for less than 1 year, rental income should be calculated using the lesser of:  75% of the current lease minus the full PITIA; or  Cash flow analysis of the Schedule E from the most recent year’s federal income tax return (if applicable) Converting current residence into a rental: 75% of a lease minus the full PITIA may be used.

Assets Must be sourced/seasoned for 60 days. Deposit verification and seasoning of assets must be documented by two months bank statements. Marketable securities require a copy of the stock certificate. Retirement accounts require documentation verifying the lending terms of the account. All sources of funds must be owned by the Bank statement no tax return Alabama self employed  mortgage applicants. All large deposits must be sourced per guidelines. Asset documentation must be dated within 30 days of application and 120 days of closing. Evidence of liquidation is required for all securities used for closing and real estate. Evidence of transfer of funds is required for all cash accounts. Gifts are acceptable provided minimum Bank statement no tax return Alabama self employed  mortgage applicants investment requirements are met. Eligible Sources of Assets Acceptable sources of funds are bank deposits (checking/savings), marketable public traded securities (70% of account value), loans secured by Bank statement no tax return Alabama self employed  mortgage applicants’s assets, sale of real estate, funds borrowed secured by real estate, trust funds (60% of Bank statement no tax return Alabama self employed  mortgage applicants’s undistributed share), cash value/surrender value of life insurance (60% of the cash value), retirement accounts using 60% of available/vested balance (SEP-IRA, 401K), Bank statement no tax return Alabama self employed  mortgage applicants’s real estate commission, business assets provided Bank statement no tax return Alabama self employed  mortgage applicants is 100% owner of the business, depleting the assets from the business account will not have a negative impact on the viability and cash flow of the business. Ineligible Sources of Assets Cash-on-hand, Sweat equity, Gift or grant funds which must be repaid, Down payment assistance programs, Bridge loans, Unsecured loans or cash advances, Section 8 Voucher Assistance, Cryptocurrency (digital assets such as bitcoins) and Private Savings Club accounts.

Bank statement no tax return Alabama self employed  mortgage applicants Investment/ Contribution Primary Residence – 5% own funds Second Home – 10% own funds A minimum Bank statement no tax return Alabama self employed  mortgage applicants contribution of 10% is required on the following transactions:  Primary residence with unverifiable housing history  Loan amount over the FHFA Conforming Loan Limit  Limited tradelines

Debt Ratios (Primary Residence and Second Homes  Standard DTI to 43% available for Grade A, B and C  Expanded DTI to 50% available for Grade A and B Min FICO = 640  DTI to 50% available for 12-Month Bank Statements and 1-Year Documentation (W-2 or Tax Return) Min FICO = 620

Seller Concessions Up to 9% towards closing for Primary Residence and Second Homes (LTV ≤ 75%), 6% towards closing for Primary Residence and Second Homes (LTV > 75%);

Listed For Sale or Purchase To be eligible for either a rate/term or a cash-out refinance, the subject Alabama self employed  mortgage homes must be taken off the market on or before application date, provide a letter of explanation for the MLS listing and statement of intent to retain the Alabama self employed  mortgage homes for 12 months after closing. For cash-out transactions, if the subject Alabama self employed  mortgage homes was listed for sale in the 6 months prior to application date, a 10% LTV reduction from the maximum available for the specific transaction is required. The lesser of the most recent list price or the current appraised value should be used to determine loan-to-value for both rate/term or cash-out transactions.

Bank Statement Income Loans utilizing bank statement documentation for income will not require a 4506-T form processed for transcripts. When a file has mixed income (W-2 wage earner income) combined with the bank statement income option, Alabama self employed  no tax return mortgage lenders  must obtain a 4506-T and transcripts for the W-2 wage earner income only. See Alabama self employed  no tax return mortgage lenders Guidelines for details. Please Note: Underwriter may condition for 4506-T tax transcripts to be signed and processed on a case by case basis. Bank Statement Documentation Self-employed Bank statement no tax return Alabama self employed  mortgage applicants are eligible for either Personal Bank Statement Documentation or Business Bank Statement Documentation. The following restrictions apply to both documentation types:  Bank statement no tax return Alabama self employed  mortgage applicants must be self-employed for at least 2years.  Business must be in existence for at least 2 years.  Standard Tradelines and a 12-month housing history are required.  Non-Permanent Resident Aliens and Foreign Nationals are ineligible. Exceptions are not permitted.  Foreign sources of income are ineligible.  For Personal Bank Statement qualifying, all parties listed on each bank account must be included as Bank statement no tax return Alabama self employed  mortgage applicants on the loan. For Business Bank Statements where the Bank statement no tax return Alabama self employed  mortgage applicants is not 100% owner of the business or another party appears on the business bank statements, refer to the guidelines for documenting the Bank statement no tax return Alabama self employed  mortgage applicants’s percent ownership of the business.  Statements must be consecutive and reflect the most recent months available.  Statements must support stable and generally predictable deposits. Unusual deposits must be documented.  Evidence of a decline in earnings may result in disqualification.  More than 3 NSFs or overdrafts within the most recent 12 months require explanation, supporting documentation, and underwriter analysis for acceptability. Refer to guidelines for additional details. Note: Overdraft Protection Transfers are not considered an NSF.  If bank statements provided reflect payments being made on obligations not listed on the credit report, see Undisclosed Debts for additional guidance.  PayPal business account statements are ineligible. PayPal earnings must be deposited into a business or personal bank account for consideration.  W-2 Wages: Additional income deposited into the bank statements but derived from a source other than the self-employed business may not be included in the bank statement average. W-2 earnings must be documented as per the requirements in Wage-Earners along with a processed 4506-T verifying the W-2 earnings only. W-2 transcripts may be used in lieu of paper W-2s.  Rental Income: Obtain the most recent lease agreement(s) for rental properties and proof of receipt at the current lease rate using a cancelled check or bank statement. Calculate the qualifying rents by using 75% of the current lease minus the full PITIA.

Full Documentation Income Fully documented income requires 4506-T forms and processed transcripts for the income used to qualify. Note: If there are no transcript records available, Alabama self employed  no tax return mortgage lenders  will accept a copy of the tax return, stamped or otherwise, and proof of receipt of the refund or a cancelled check/bank draft documenting the taxes were paid. The refund or check/bank draft must match the tax return exactly. See Alabama self employed  no tax return mortgage lenders  for details.

Residual Income $1,500 plus an additional $150 per dependent is required for Primary Residence and Second Homes only. 

All Refinances All refinance transactions must have Net Tangible Benefit to Bank statement no tax return Alabama self employed  mortgage applicants.

Cash-out Refinance For all cash-out refinance transactions: a signed letter from the Bank statement no tax return Alabama self employed  mortgage applicants disclosing the purpose of the cash-out must be obtained. At least one Bank statement no tax return Alabama self employed  mortgage applicants must have been on title a minimum of six (6) months prior to the new note date and a minimum of 6 months must have elapsed since the most recent mortgage transaction on the subject Alabama self employed  mortgage homes (either the original purchase transaction or subsequent refinance). Note date to note date is used to calculate the 6 months. For cash-out refinance transactions where the Alabama self employed  mortgage homes is currently vested in a trust or LLC, the Bank statement no tax return Alabama self employed  mortgage applicants must have owned the Alabama self employed  mortgage homes in the name of the trust or LLC for at least six (6) months prior to closing. Note: Properties removed from a Trust or LLC are not required to meet the seasoning requirements if the Alabama self employed  mortgage homes moves from the Trust to the owner of Trust or the LLC to the owner of LLC. Minimum fifty-percent (50%) ownership of the LLC is required. There is no waiting period if the Bank statement no tax return Alabama self employed  mortgage applicants was legally awarded the Alabama self employed  mortgage homes through divorce, separation, or dissolution of a domestic partnership. 

Minimum Credit History – Primary Wage-earner Requirements Standard Credit: 3 tradelines reporting for 12+ months with activity in last 12 months OR 2 tradelines reporting for 24+ months with activity in last 12 months 0X60 for most recent 12 months Trade lines must meet the following: The credit line must be reflected on the Bank statement no tax return Alabama self employed  mortgage applicants’s credit report  The account must have activity in the past 12-months and may be open or closed  Tradelines used to qualify may not exceed 0x60 in the most recent 12 months  An acceptable 12- or 24-month housing history not reporting on credit may also be used as a tradeline Credit lines on which the Bank statement no tax return Alabama self employed  mortgage applicants is not obligated to make payments are not acceptable for establishing a minimum history. e.g., loans in a deferment period, collection or charged-off accounts, accounts discharged through bankruptcy, and authorized user accounts. 

Limited Tradelines Primary Residence and Second Homes only. No minimum tradeline requirements (Full Doc only) If the Bank statement no tax return Alabama self employed  mortgage applicants does not meet the requirements for Standard Tradelines but still has a valid credit score, he or she may qualify under Limited Tradelines. The following requirements apply when qualifying with Limited Tradelines:  Primary residence and second homes only  10% minimum Bank statement no tax return Alabama self employed  mortgage applicants contribution  Minimum 6-months reserves after closing  Full documentation of income (Bank Statement Documentation not allowed) When qualifying with Limited Tradelines, the lower of either the Representative Loan Score or a 580 score is used to qualify the Bank statement no tax return Alabama self employed  mortgage applicants on the Non-Prime Matrix. The loan may be priced using the actual Representative Loan Score.

Disputed Tradelines Bank statement no tax return Alabama self employed  mortgage applicants are not required to remove disputed tradelines from their credit report regardless of the number of accounts or the amounts. A disputed account is not a waiver of the debt from consideration in underwriting. Disputed accounts must meet the guideline requirements for collections and/or charge off status unless there is documentation provided of a bonafide dispute such as a police report due to fraud or theft.

Mortgage/Rental History See Grade Determination above. Mortgage and rental payments not reflected on the original credit report must be documented via an institutional Verification of Rent or Verification of Mortgage (VOR/VOM). A combined total of all late mortgage and rental payments in the past 12 months must be used to determine the housing history for all Bank statement no tax return Alabama self employed  mortgage applicants. If the Bank statement no tax return Alabama self employed  mortgage applicants is making payments to an individual or interested party, 12 months of cancelled checks or bank statements must be obtained. A VOR/VOM is not required but may be requested for clarification. All mortgages and rental payments should be current at time of closing. If the credit report or VOR/VOM reflects a past-due status, updated documentation is required to verify account is current. Bank statement no tax return Alabama self employed  mortgage applicants with no housing history or less than 12 months housing history are permitted. Refer to Alabama self employed  no tax return mortgage lenders  for full details. 

Late Payments Rolling Late Payments: Rolling late payments are not considered a single event. Each occurrence of a contractual delinquency is considered individually for loan eligibility. Past Due Accounts: Past due consumer debts can be no more than 30 days past due at time of closing unless the past due consumer debt will be paid off at closing. For mortgage late payment requirements refer to Mortgage/Rental History above.

Credit Grade C Credit Grade C: All mortgages and rental payments must be paid as agreed for the last 12 months, or since the date the Housing Event was cured (if Housing Event occurred less than 12 months ago). Mortgage and rental lates prior to the Housing Event are disregarded.

Bankruptcy For bankruptcy seasoning requirements, see Grade Determination above. A Chapter 13 bankruptcy may remain open after loan closing when all of the following requirements are met:  A minimum 12-month repayment period in the bankruptcy has elapsed  Bankruptcy plan payments for the last 12 months have been made on time  Bank statement no tax return Alabama self employed  mortgage applicants has received written permission from bankruptcy court to enter into the transaction Note: Open Chapter 13 bankruptcy will be graded per the mortgage rating. If the bankruptcy has late payments within the last 12 months, they must be paid off and the loan must be graded as Credit Grade C.

Forbearance Due to FEMA Disaster Alabama self employed  no tax return mortgage lenders  will permit forbearance only in cases of a FEMA Disaster Declaration. Documentation from the servicer must be obtained and the cause outside the disaster (i.e. loss of work, damage, etc.) must be cured and documented (i.e. back to work and able to meet ability-to-repay (ATR) requirements). 

Collections/ Charge Offs The following accounts may remain open:  Collections and charge-offs < 24 months old with a maximum cumulative balance of $2,000  Collections and charge-offs ≥ 24 months old with a maximum of $2,500 per occurrence  Collections and charge-offs that have passed beyond the statute of limitation for that state (supporting documentation required)  All medical collections Collection and charge-off account balances remaining after the exclusions listed above may remain open when one of the following is met:  Bank statement no tax return Alabama self employed  mortgage applicants has sufficient reserves to cover remaining collection and charge-off balances (in addition to the published reserve requirement); or  Payment for remaining collections and charge-offs included in DTI results in final DTI ≤ 50% (payment calculated at 5% of balance of remaining unpaid collections and charge-offs). A combination of the two options above is allowed. A portion of the unpaid collection balance can be included in the DTI while the remainder is covered by excess reserves. Collections and charge-offs that cannot be factored into DTI or reserves must be paid off. 

Judgments/Liens Judgments and tax liens must be paid off prior to or at closing, unless the requirements listed below are met. Adverse credit that will impact title must be paid in full as title must insure our lien position without exception. Court-ordered judgments may remain open when all of the following requirements are met:  A copy of the repayment agreement is obtained;  A minimum of 3 months has elapsed on the plan and evidence of timely payments for the most recent 3 months is provided; and  The maximum payment required under the plan is included in the debt-to-income ratio. Outstanding tax liens may remain open on purchase transactions only (additional LTV reductions may be required based on the size of the lien). All of the following requirements must be met:  A copy of the repayment agreement is obtained;  A minimum of 3 months has elapsed on the plan and evidence of timely payments for the most recent 3 months is provided;  The maximum payment required under the plan is included in the debt-to-income ratio; and The title company must provide written confirmation confirming (a) the title company is aware of the outstanding tax lien, and (b) there is no impact to first lien position. 

IRS Taxes Owed (No Lien) For IRS taxes owed and no lien is present all of the following requirements must be met:  A copy of the repayment agreement is obtained;  A minimum of 3 months has elapsed on the plan and evidence of timely payments for the most recent 3 months is provided;  The maximum payment required under the plan is included in the debt-to-income ratio. 

Cash Out Maximum Amounts: $250,000 Cash out may be used to pay off debt for qualifying. Cash out proceeds may not be used to meet reserve requirements.

Deferred Maintenance Alabama self employed  no tax return mortgage lenders  permits appraisals to be based on the “as is” condition of the Alabama self employed  mortgage homes provided existing conditions are minor and do not affect the safety, soundness, or structural integrity of the Alabama self employed  mortgage homes, and the appraiser’s opinion of value reflects the existence of these conditions. Deferred maintenance is typically due to normal wear and tear from the aging process and the occupancy of the Alabama self employed  mortgage homes. While such conditions generally do not rise to the level of a required repair, they must be reported. Examples of minor conditions and deferred maintenance include worn floor finishes or carpet, minor plumbing leaks, holes in window screens, or cracked window glass.

Alabama self employed  mortgage homes Repairs All Alabama self employed  mortgage homes repairs must be completed prior to closing with no exceptions. Escrow holdbacks are not permitted.

Second Homes Second homes are restricted to 1-unit dwellings. Second homes must be located a reasonable distance away from the Bank statement no tax return Alabama self employed  mortgage applicants’s primary residence and must be available for Bank statement no tax return Alabama self employed  mortgage applicants’s exclusive use. Bank statement no tax return Alabama self employed  mortgage applicants may not own any other second homes in the same geographic market as the subject Alabama self employed  mortgage homes. Second homes cannot be subject to rental pools or agreements requiring Alabama self employed  mortgage homes to be rented and cannot be controlled by a management firm. Suitable for year-round occupancy.

Appraisal 1 Full appraisal required. Exterior and Interior inspection. Color photographs required. The Alabama self employed  mortgage homes should conform to and be acceptable in the market area. The appraisal must include the actual size of the site and not a portion of the site.Appraisal Review – Due Diligence Alabama self employed  Bank Statement Mortgage Lenders  Restrictions The Appraisal Review Process requires a secondary due diligence Alabama self employed  Bank Statement Mortgage Lenders  to support the appraised value for the transaction. To utilize the Fannie Mae Collateral Underwriter (CU) score, all of the following must be met:  Loan amount < $1,000,000, and  CU Score ≤ 2.5 The following require a Desk Review (ineligible for CU):  Any loan where the LTV > 80%, or  CU Score > 2.5 The following require a Second Full Appraisal:  Loan amount ≥ $1,000,000  HPML Alabama self employed  mortgage homes Flip Transactions  HPML New Construction Properties with one or more title transfers within 180 days of the purchase contract date or any title transfer after the purchase contract date. Please note: title transfers from a builder to a wholly owned subsidiary of the builder are considered a “change of ownership” and require a Second Full Appraisal. When two appraisals are required, the lower of the two values must be used to determine value. The following requires a Alabama self employed  no tax return mortgage lenders  Capital Management (CCM) review:  Appraised value ≥ $1,500,000. When two appraisals are present the lowest value is used. Desk Reviews, Field Reviews, and Second Full Appraisals, when required, must be ordered from a Alabama self employed  no tax return mortgage lenders -approved AMC. A Second Full Appraisal must be completed by a different AMC and a different, independent appraiser than the first appraisal. Alabama self employed  no tax return mortgage lenders  reserves the right to request additional appraisal Alabama self employed  Bank Statement Mortgage Lenders s at our discretion based on review of the appraisal and loan file. 

Condominiums All condominiums must have a valid project review along with a completed Alabama self employed  no tax return mortgage lenders  Homeowners’ Association Certification (InterIsland HOA Questionnaire). ATTACHED CONDOS: Appraisal must contain 2 comparable sales from subject’s project in addition to the current comparable sale requirements. See the Alabama self employed  no tax return mortgage lenders    for condominium specifications.

Ineligible Alabama self employed  mortgage homes Types Investment Properties, Co-ops, Condotels, Non-Warrantable Condominiums, Manufactured, Unique Properties, Leaseholds, Rural Properties, Log Homes, Agriculturally Zoned, Working or income producing Farms, Properties with active oil, gas, or mineral drilling, excavation, etc., Builder Model Leaseback, NonConforming zoning regulations that prohibit rebuilding, Hawaiian properties in lava zones 1 and 2, and State-approved medical marijuana producing properties. 

Mixed Use Properties Alabama self employed  no tax return mortgage lenders  will allow for mortgages that are secured by properties that have a business use in addition to their residential use, such as a Alabama self employed  mortgage homes with space set aside for a day care facility, a beauty or barber shop, or a doctor’s office. The following special eligibility criteria must be met:  The Alabama self employed  mortgage homes must be a one-unit dwelling that the Bank statement no tax return Alabama self employed  mortgage applicants occupies as a principal residence.  The Bank statement no tax return Alabama self employed  mortgage applicants must be both the owner and the operator of the business.  The Alabama self employed  mortgage homes must be primarily residential in nature.  The dwelling may not be modified in a manner that has an adverse impact on its marketability as a residential Alabama self employed  mortgage homes. The appraisal requirements for mixed-use properties must:  provide a detailed description of the mixed-use characteristics of the subject Alabama self employed  mortgage homes;  indicate that the mixed use of the Alabama self employed  mortgage homes is a legal, permissible use of the Alabama self employed  mortgage homes under the local zoning requirements;  report any adverse impact on marketability and market resistance to the commercial use of the Alabama self employed  mortgage homes;  report the market value of the Alabama self employed  mortgage homes based on the residential characteristics, rather than of the business use or any special business-use modifications that were made;  report that no modifications have been made that would adversely affect marketability A confirmation of the appraiser’s review will be performed by a Due Diligence (DD) firm. If the DD firm disagrees with the appraiser, DD findings will take priority over appraiser findings.

Rural Alabama self employed  mortgage homes Determination Rural properties are ineligible. Properties are considered rural if:  The Zip Code is contained in Exhibit A of the Guidelines, or  The appraiser indicates the subject Location as Rural in the Neighborhood section of the appraisal report. 

Alabama self employed  mortgage homes Flipping Title transfers within 180 days are subject to additional requirements. See the NO tax return bank statement mortgage lenders Guidelines for specifications.

Resale/Deed Restrictions Communities where the minimum age requirement is 55 are permitted.

Maximum Number of Financed Properties There is no limit on the number of other properties Bank statement no tax return Alabama self employed  mortgage applicants may currently have financed. Second homes require 2 months additional reserves for each additional financed Alabama self employed  mortgage homes. Additional reserves are not required when the subject Alabama self employed  mortgage homes is a primary residence. See Alabama self employed  no tax return mortgage lenders    for additional requirements. 

Maximum Acreage Primary & Second Homes; maximum 10 acres

General Refinance Requirements Rate/term refinance and cash-out refinance transactions are allowed. Determining Loan-to-Value If the subject Alabama self employed  mortgage homes was purchased ˃ 12-months from application date, the appraised value must be used to determine loan-to-value. If the Alabama self employed  mortgage homes was purchased ≤ 12-months from application date, the lesser of the current appraisal value or previous purchase price plus documented improvements (if any) must be used. The purchase settlement statement and any invoices for materials/labor will be required. Refinances of Short Payoffs are only acceptable for Alabama self employed  no tax return mortgage lenders  to Alabama self employed  no tax return mortgage lenders  (Stanwich Portfolio) transactions. 

Rate & Term Refi / Limited Cash Out No seasoning of first mortgage (no minimum number of payments required on current mortgage). If owned less than 12 months (recorded transfer date to application date of the new loan), the LTV is be based on lower of appraised value or the original sales price. If owned more than 12 months, (recorded date to application date of new loan), the LTV is based on the current appraised value. Maximum cash in hand is the lessor of 2% of the principal of the new loan amount or $2000. HUD-1 settlement statements required from any transaction within past 6 months. If previous transaction was cash-out or if it combined a first and non-purchase money subordinate into a new first, loan to be coded cash out. If new transaction combines a 1st and non-purchase money 2nd into a new 1st loan, it is considered cash out. Must demonstrate there is a Benefit to the Bank statement no tax return Alabama self employed  mortgage applicants by utilizing the Alabama self employed  no tax return mortgage lenders  benefit to Bank statement no tax return Alabama self employed  mortgage applicants form currently in use through Encompass for refinance transactions. 

 

Gifts Gift funds are acceptable on primary residence and second homes transactions once the Bank statement no tax return Alabama self employed  mortgage applicants has met the minimum 5% investment (Primary Residence) or 10% (Second Home). Gift funds are not acceptable for reserves. The donor must be an immediate family member (spouse, child, dependent, parent, sibling, blood relative), future spouse, or domestic partner living with the Bank statement no tax return Alabama self employed  mortgage applicants. The donor may not have any affiliation with a party to the transaction. A signed gift letter is required and must include the amount of the gift, the donor’s name, address, telephone number and relationship to Bank statement no tax return Alabama self employed  mortgage applicants. Proof of donor’s ability to give and transfer of the gift funds/evidence of receipt is required.

 

Minimum Reserves Net proceeds from cash-out transactions may not be used to meet the reserve requirement. Reserves must come from Bank statement no tax return Alabama self employed  mortgage applicants own funds. Subject Alabama self employed  mortgage homes reserve requirement – refer to the above LTV, Additional Program overlays and requirements sections. Second Homes Only: Minimum 6 months; 2 months of additional reserves required for each financed Alabama self employed  mortgage homes; no limit on the number of properties Bank statement no tax return Alabama self employed  mortgage applicants may have financed. Multiple Financed Properties: 2 months for each additional Alabama self employed  mortgage homes when the subject is a Second Home. Use of Rental Income Without a Lease: 3 months in addition to standard requirement No Housing History or Less Than 12 months Verified: 6 months For files that have more than the required 3 month reserves (e.g. > $750K loan amounts) the reserve requirement can be reduced to 3 months when all of the following requirements are met:  Primary occupancy; and  LTV ≥ 10% below the maximum available for the transaction; and  DTI ≤ 43%. Note: at no time will a file have less than 3 months reserves.

 

Qualifying Reserves on ARM Loans Reserves on ARM loans must be determined based on the on the Fully Indexed Rate. Reserves are measured by the number of months of the qualifying payment amount for the subject mortgage (based on PITIA) that a Bank statement no tax return Alabama self employed  mortgage applicants could pay using his or her financial assets. Ineligible Reserves Cash-on-hand, Cash-out proceeds, Sweat equity, Gift or grant funds which must be repaid, Down payment assistance programs, Bridge loans, Unsecured loans or cash advances, and Section 8 Voucher Assistance Debt Ratio See Grade Determination Above Retaining current Residence If subject is an owner occupied purchase transaction and Bank statement no tax return Alabama self employed  mortgage applicants’s current residence is pending sale, both the current and proposed housing payments are used to qualify. Non-Taxable Income Must verify and document source of income is non-taxable. Documentation includes award letters, policy agreements, account statements or any other documents that address the non-taxable status of the income. All disclosed, non-taxable income must be grossed-up 125% even if not being used for qualification. Manual Underwrite Only All loans are manually underwritten. AUS is not permitted. 

 

Seller Contribution/ Sale Concessions Maximum seller contribution up to maximum 9% for LTV ≤ 75% and 6% for LTV > 75%: for primary residence and second homes. Sales concessions exceeding the seller contribution limits must be deducted from the sales price before calculating the LTV/CLTV. Financing concessions are not allowed.

 

GENERAL Age of Documents Credit Report 60 days; Title Report 60 days; Appraisal 120 days; Closing Protection Letter (CPL) 60 Days Loan Terms Available 30 year Fixed, 5/1 ARM, 7/1 ARM, 10/1 ARM, 5/1 ARM-IO, 7/1 ARM-IO, and 10/1 ARM-IO Escrow Waivers All States excluding DC: Not Permitted DC loans: Alabama self employed  mortgage homes tax and/or insurance escrows may be waived if the LTV is 80% or lower. HPML loans: escrows may not be waived regardless of LTV. Assumptions Not Permitted High-Cost HOEPA Section 32 (Fed/State) Not permitted. States may impose different definitions of points and fees, rate, or APR than apply under HOEPA. States may also use different triggers in each category for determining whether a loan will be a “high-cost mortgage” (or equivalent terms) under state law. Alabama self employed  no tax return mortgage lenders  does not originate loans defined as high-cost mortgages (or equivalent terms) under Federal or state law, regardless of the basis for the loan’s treatment as such. HPML/ Section 35 loans HPML loans (Section 35) are permitted. Federal Section 35 High Priced Test (allowed if all 4 items below are met): 1. Loan is Impounded (escrows) 2. No Pre Payment Penalty 3. Ability to Repay has been verified 4. Full Appraisal Done on the Alabama self employed  mortgage homes HPML flip transactions require a second appraisal from a different certified or state licensed appraiser. Refer to the Alabama self employed  no tax return mortgage lenders for additional information. QM Fees Limited to the Section 32 5% Limit Ineligible States All loans: North Dakota; Massachusetts (Correspondent loans are eligible for Massachusetts and North Dakota). Interest Only loans not permitted in West Virginia. Illinois Anti-Predatory Lending Databases Primary Residence: Completion of the Illinois Anti-Predatory Lending Databases is required for subject properties in Cook, Kane, Peoria, and Will counties. A Certificate of Exemption or Certificate of Compliance is required to record the loan. Retail Loans Only: Interest Only loans not permitted in Illinois in Cook, Kane, Peoria, and Will counties. Maryland HPML Attestation In compliance with Maryland Mortgage Statute 09.03.06.20 – Duty of Care, Brokers must provide an executed HPML Attestation for HPML loans with a subject Alabama self employed  mortgage homes in the state of Maryland. New York Loans Primary Residence and Second Homes: Loans require a minimum loan size of “Conforming Balance plus $1”. NY CEMA Loans are permitted (NY CEMA not eligible for Alabama self employed  no tax return mortgage lenders  Correspondent channel) Ability to Repay (ATR) Fully Compliant (DTI>43% program follows all other ATR requirements)  Fully Documented Income  Full Appraisal  Escrows required  No Prepayment Penalty Documenting Business Bank Ownership Generally, the parties on the business bank accounts should be the same parties on the loan request. If a party appears on a business bank account but is not a Bank statement no tax return Alabama self employed  mortgage applicants on the loan, business records must be provided to prove the Bank statement no tax return Alabama self employed  mortgage applicants percentage of ownership and entitlement to profits. Examples of acceptable documentation include: Articles of Incorporation with stock ownership breakdown, the business’s Operating Agreement, a Corporate Resolution, or letter from the company’s tax preparer. Qualifying income must be multiplied by the percentage of profits that the Bank statement no tax return Alabama self employed  mortgage applicants is entitled to. 

 

Eligible Bank statement no tax return Alabama self employed  mortgage applicants U.S. Citizens, Permanent Resident Aliens, and Non-Permanent Resident Aliens. Permanent Resident Aliens must provide proof of lawful residence, green card and permanent right to work in the U.S. Non-Permanent Resident Aliens must provide proof of lawful residency, work authorization, and an unexpired, valid visa with at least three years left to work in the U.S. All qualifying Bank statement no tax return Alabama self employed  mortgage applicants must have a documented 2 year consecutive work history in the U.S. Alabama self employed  no tax return mortgage lenders  limits the maximum number of Bank statement no tax return Alabama self employed  mortgage applicants on one loan to eight (8). Ineligible Bank statement no tax return Alabama self employed  mortgage applicants Foreign Nationals, Deferred Action for Childhood Arrivals (DACA – EAD Category C33), Bank statement no tax return Alabama self employed  mortgage applicants with Diplomatic Immunity, Non-Permanent Resident Aliens who do not have a green card or a valid visa, Bank statement no tax return Alabama self employed  mortgage applicants without a credit score, Bank statement no tax return Alabama self employed  mortgage applicants who are not natural persons (i.e.: Corporation and Partnership), Bank statement no tax return Alabama self employed  mortgage applicants holding title in the name of a trust, Bank statement no tax return Alabama self employed  mortgage applicants with more than 5 Alabama self employed  no tax return mortgage lenders  financed properties, including the subject Alabama self employed  mortgage homes. First Time Homebuyers Verification of 12 months’ rent required via cancelled checks or bank statements. 6 months reserves from Bank statement no tax return Alabama self employed  mortgage applicants’s own funds required. Minimum FICO >= 620 Power of Attorney Alabama self employed  no tax return mortgage lenders  will permit a Limited Power of Attorney (POA) when the following requirements are met: POA is specific to the transaction, recorded with the Mortgage/Deed of Trust, contains an expiration date, used only to execute the final loan documents, Bank statement no tax return Alabama self employed  mortgage applicants who executed the POA signed the initial 1003, no interested party to the transaction (such as Alabama self employed  mortgage homes seller, broker, loan officer, realtor, etc.) may act as Power of Attorney, not permitted on cash-out transactions, and not permitted on Alabama Home Equity transactions. 

ALABAMA SELF EMPLOYED MORTGAGE LENDERS! COVERAGE AREAS

Zip Code City County State Zip Code Map
35004 Moody Saint Clair Alabama View Map
35005 Adamsville Jefferson Alabama View Map
35006 Adger Jefferson Alabama View Map
35007 Alabaster Shelby Alabama View Map
35010 Alexander City Tallapoosa Alabama View Map
35011 Alexander City Tallapoosa Alabama View Map
35013 Allgood Blount Alabama View Map
35014 Alpine Talladega Alabama View Map
35015 Alton Jefferson Alabama View Map
35016 Arab Marshall Alabama View Map
35019 Baileyton Cullman Alabama View Map
35020 Bessemer Jefferson Alabama View Map
35021 Bessemer Jefferson Alabama View Map
35022 Bessemer Jefferson Alabama View Map
35023 Bessemer Jefferson Alabama View Map
35031 Blountsville Blount Alabama View Map
35032 Bon Air Talladega Alabama View Map
35033 Bremen Cullman Alabama View Map
35034 Brent Bibb Alabama View Map
35035 Brierfield Bibb Alabama View Map
35036 Brookside Jefferson Alabama View Map
35038 Burnwell Walker Alabama View Map
35040 Calera Shelby Alabama View Map
35041 Cardiff Jefferson Alabama View Map
35042 Centreville Bibb Alabama View Map
35043 Chelsea Shelby Alabama View Map
35044 Childersburg Talladega Alabama View Map
35045 Clanton Chilton Alabama View Map
35046 Clanton Chilton Alabama View Map
35048 Clay Jefferson Alabama View Map
35049 Cleveland Blount Alabama View Map
35051 Columbiana Shelby Alabama View Map
35052 Cook Springs Saint Clair Alabama View Map
35053 Crane Hill Cullman Alabama View Map
35054 Cropwell Saint Clair Alabama View Map
35055 Cullman Cullman Alabama View Map
35056 Cullman Cullman Alabama View Map
35057 Cullman Cullman Alabama View Map
35058 Cullman Cullman Alabama View Map
35060 Docena Jefferson Alabama View Map
35061 Dolomite Jefferson Alabama View Map
35062 Dora Jefferson Alabama View Map
35063 Empire Walker Alabama View Map
35064 Fairfield Jefferson Alabama View Map
35068 Fultondale Jefferson Alabama View Map
35070 Garden City Cullman Alabama View Map
35071 Gardendale Jefferson Alabama View Map
35072 Goodwater Coosa Alabama View Map
35073 Graysville Jefferson Alabama View Map
35074 Green Pond Bibb Alabama View Map
35077 Hanceville Cullman Alabama View Map
35078 Harpersville Shelby Alabama View Map
35079 Hayden Blount Alabama View Map
35080 Helena Shelby Alabama View Map
35082 Hollins Clay Alabama View Map
35083 Holly Pond Cullman Alabama View Map
35085 Jemison Chilton Alabama View Map
35087 Joppa Cullman Alabama View Map
35089 Kellyton Coosa Alabama View Map
35091 Kimberly Jefferson Alabama View Map
35094 Leeds Jefferson Alabama View Map
35096 Lincoln Talladega Alabama View Map
35097 Locust Fork Blount Alabama View Map
35098 Logan Cullman Alabama View Map
35111 Mc Calla Jefferson Alabama View Map
35112 Margaret Saint Clair Alabama View Map
35114 Maylene Shelby Alabama View Map
35115 Montevallo Shelby Alabama View Map
35116 Morris Jefferson Alabama View Map
35117 Mount Olive Jefferson Alabama View Map
35118 Mulga Jefferson Alabama View Map
35119 New Castle Jefferson Alabama View Map
35120 Odenville Saint Clair Alabama View Map
35121 Oneonta Blount Alabama View Map
35123 Palmerdale Jefferson Alabama View Map
35124 Pelham Shelby Alabama View Map
35125 Pell City Saint Clair Alabama View Map
35126 Pinson Jefferson Alabama View Map
35127 Pleasant Grove Jefferson Alabama View Map
35128 Pell City Saint Clair Alabama View Map
35130 Quinton Walker Alabama View Map
35131 Ragland Saint Clair Alabama View Map
35133 Remlap Blount Alabama View Map
35135 Riverside Saint Clair Alabama View Map
35136 Rockford Coosa Alabama View Map
35137 Saginaw Shelby Alabama View Map
35139 Sayre Jefferson Alabama View Map
35142 Shannon Jefferson Alabama View Map
35143 Shelby Shelby Alabama View Map
35144 Siluria Shelby Alabama View Map
35146 Springville Saint Clair Alabama View Map
35147 Sterrett Shelby Alabama View Map
35148 Sumiton Walker Alabama View Map
35149 Sycamore Talladega Alabama View Map
35150 Sylacauga Talladega Alabama View Map
35151 Sylacauga Talladega Alabama View Map
35160 Talladega Talladega Alabama View Map
35161 Talladega Talladega Alabama View Map
35171 Thorsby Chilton Alabama View Map
35172 Trafford Jefferson Alabama View Map
35173 Trussville Jefferson Alabama View Map
35175 Union Grove Marshall Alabama View Map
35176 Vandiver Shelby Alabama View Map
35178 Vincent Shelby Alabama View Map
35179 Vinemont Cullman Alabama View Map
35180 Warrior Jefferson Alabama View Map
35181 Watson Jefferson Alabama View Map
35182 Wattsville Saint Clair Alabama View Map
35183 Weogufka Coosa Alabama View Map
35184 West Blocton Bibb Alabama View Map
35185 Westover Shelby Alabama View Map
35186 Wilsonville Shelby Alabama View Map
35187 Wilton Shelby Alabama View Map
35188 Woodstock Bibb Alabama View Map
35201 Birmingham Jefferson Alabama View Map
35202 Birmingham Jefferson Alabama View Map
35203 Birmingham Jefferson Alabama View Map
35204 Birmingham Jefferson Alabama View Map
35205 Birmingham Jefferson Alabama View Map
35206 Birmingham Jefferson Alabama View Map
35207 Birmingham Jefferson Alabama View Map
35208 Birmingham Jefferson Alabama View Map
35209 Birmingham Jefferson Alabama View Map
35210 Birmingham Jefferson Alabama View Map
35211 Birmingham Jefferson Alabama View Map
35212 Birmingham Jefferson Alabama View Map
35213 Birmingham Jefferson Alabama View Map
35214 Birmingham Jefferson Alabama View Map
35215 Birmingham Jefferson Alabama View Map
35216 Birmingham Jefferson Alabama View Map
35217 Birmingham Jefferson Alabama View Map
35218 Birmingham Jefferson Alabama View Map
35219 Birmingham Jefferson Alabama View Map
35220 Birmingham Jefferson Alabama View Map
35221 Birmingham Jefferson Alabama View Map
35222 Birmingham Jefferson Alabama View Map
35223 Birmingham Jefferson Alabama View Map
35224 Birmingham Jefferson Alabama View Map
35225 Birmingham Jefferson Alabama View Map
35226 Birmingham Jefferson Alabama View Map
35228 Birmingham Jefferson Alabama View Map
35229 Birmingham Jefferson Alabama View Map
35230 Birmingham Jefferson Alabama View Map
35231 Birmingham Jefferson Alabama View Map
35232 Birmingham Jefferson Alabama View Map
35233 Birmingham Jefferson View Map
35234 Birmingham Jefferson View Map
35235 Birmingham Jefferson Alabama View Map
35236 Birmingham Jefferson Alabama View Map
35237 Birmingham Jefferson Alabama View Map
35238 Birmingham Jefferson Alabama View Map
35240 Birmingham Jefferson Alabama View Map
35242 Birmingham Shelby Alabama View Map
35243 Birmingham Jefferson Alabama View Map
35244 Birmingham Jefferson Alabama View Map
35245 Birmingham Jefferson Alabama View Map
35246 Birmingham Jefferson Alabama View Map
35249 Birmingham Jefferson Alabama View Map
35253 Birmingham Jefferson Alabama View Map
35254 Birmingham Jefferson Alabama View Map
35255 Birmingham Jefferson Alabama View Map
35259 Birmingham Jefferson Alabama View Map
35260 Birmingham Jefferson Alabama View Map
35261 Birmingham Jefferson Alabama View Map
35263 Birmingham Jefferson Alabama View Map
35266 Birmingham Jefferson Alabama View Map
35277 Birmingham Jefferson Alabama View Map
35278 Birmingham Jefferson Alabama View Map
35279 Birmingham Jefferson Alabama View Map
35280 Birmingham Jefferson Alabama View Map
35281 Birmingham Jefferson Alabama View Map
35282 Birmingham Jefferson Alabama View Map
35283 Birmingham Jefferson Alabama View Map
35285 Birmingham Jefferson Alabama View Map
35286 Birmingham Jefferson Alabama View Map
35287 Birmingham Jefferson Alabama View Map
35288 Birmingham Jefferson Alabama View Map
35289 Birmingham Jefferson Alabama View Map
35290 Birmingham Jefferson Alabama View Map
35291 Birmingham Jefferson Alabama View Map
35292 Birmingham Jefferson Alabama View Map
35293 Birmingham Jefferson Alabama View Map
35294 Birmingham Jefferson Alabama View Map
35295 Birmingham Jefferson Alabama View Map
35296 Birmingham Jefferson Alabama View Map
35297 Birmingham Jefferson Alabama View Map
35298 Birmingham Jefferson Alabama View Map
35299 Birmingham Jefferson Alabama View Map
35401 Tuscaloosa Tuscaloosa Alabama View Map
35402 Tuscaloosa Tuscaloosa Alabama View Map
35403 Tuscaloosa Tuscaloosa Alabama View Map
35404 Tuscaloosa Tuscaloosa Alabama View Map
35405 Tuscaloosa Tuscaloosa Alabama View Map
35406 Tuscaloosa Tuscaloosa Alabama View Map
35407 Tuscaloosa Tuscaloosa Alabama View Map
35440 Abernant Tuscaloosa Alabama View Map
35441 Akron Hale Alabama View Map
35442 Aliceville Pickens Alabama View Map
35443 Boligee Greene Alabama View Map
35444 Brookwood Tuscaloosa Alabama View Map
35446 Buhl Tuscaloosa Alabama View Map
35447 Carrollton Pickens Alabama View Map
35448 Clinton Greene Alabama View Map
35449 Coaling Tuscaloosa Alabama View Map
35452 Coker Tuscaloosa Alabama View Map
35453 Cottondale Tuscaloosa Alabama View Map
35456 Duncanville Tuscaloosa Alabama View Map
35457 Echola Tuscaloosa Alabama View Map
35458 Elrod Tuscaloosa Alabama View Map
35459 Emelle Sumter Alabama View Map
35460 Epes Sumter Alabama View Map
35461 Ethelsville Pickens Alabama View Map
35462 Eutaw Greene Alabama View Map
35463 Fosters Tuscaloosa Alabama View Map
35464 Gainesville Sumter Alabama View Map
35466 Gordo Pickens Alabama View Map
35468 Kellerman Tuscaloosa Alabama View Map
35469 Knoxville Greene Alabama View Map
35470 Livingston Sumter Alabama View Map
35471 Mc Shan Pickens Alabama View Map
35473 Northport Tuscaloosa Alabama View Map
35474 Moundville Hale Alabama View Map
35475 Northport Tuscaloosa Alabama View Map
35476 Northport Tuscaloosa Alabama View Map
35477 Panola Sumter Alabama View Map
35478 Peterson Tuscaloosa Alabama View Map
35480 Ralph Tuscaloosa Alabama View Map
35481 Reform Pickens Alabama View Map
35482 Samantha Tuscaloosa Alabama View Map
35485 Tuscaloosa Tuscaloosa Alabama View Map
35486 Tuscaloosa Tuscaloosa Alabama View Map
35487 Tuscaloosa Tuscaloosa Alabama View Map
35490 Vance Tuscaloosa Alabama View Map
35491 West Greene Greene Alabama View Map
35501 Jasper Walker Alabama View Map
35502 Jasper Walker Alabama View Map
35503 Jasper Walker Alabama View Map
35504 Jasper Walker Alabama View Map
35540 Addison Winston Alabama View Map
35541 Arley Winston Alabama View Map
35542 Bankston Fayette Alabama View Map
35543 Bear Creek Marion Alabama View Map
35544 Beaverton Lamar Alabama View Map
35545 Belk Fayette Alabama View Map
35546 Berry Fayette Alabama View Map
35548 Brilliant Marion Alabama View Map
35549 Carbon Hill Walker Alabama View Map
35550 Cordova Walker Alabama View Map
35551 Delmar Winston Alabama View Map
35552 Detroit Lamar Alabama View Map
35553 Double Springs Winston Alabama View Map
35554 Eldridge Walker Alabama View Map
35555 Fayette Fayette Alabama View Map
35559 Glen Allen Fayette Alabama View Map
35560 Goodsprings Walker Alabama View Map
35563 Guin Marion Alabama View Map
35564 Hackleburg Marion Alabama View Map
35565 Haleyville Winston Alabama View Map
35570 Hamilton Marion Alabama View Map
35571 Hodges Franklin Alabama View Map
35572 Houston Winston Alabama View Map
35573 Kansas Walker Alabama View Map
35574 Kennedy Lamar Alabama View Map
35575 Lynn Winston Alabama View Map
35576 Millport Lamar Alabama View Map
35577 Natural Bridge Winston Alabama View Map
35578 Nauvoo Walker Alabama View Map
35579 Oakman Walker Alabama View Map
35580 Parrish Walker Alabama View Map
35581 Phil Campbell Franklin Alabama View Map
35582 Red Bay Franklin Alabama View Map
35584 Sipsey Walker Alabama View Map
35585 Spruce Pine Franklin Alabama View Map
35586 Sulligent Lamar Alabama View Map
35587 Townley Walker Alabama View Map
35592 Vernon Lamar Alabama View Map
35593 Vina Franklin Alabama View Map
35594 Winfield Marion Alabama View Map
35601 Decatur Morgan Alabama View Map
35602 Decatur Morgan Alabama View Map
35603 Decatur Morgan Alabama View Map
35609 Decatur Morgan Alabama View Map
35610 Anderson Lauderdale Alabama View Map
35611 Athens Limestone Alabama View Map
35612 Athens Limestone Alabama View Map
35613 Athens Limestone Alabama View Map
35614 Athens Limestone Alabama View Map
35615 Belle Mina Limestone Alabama View Map
35616 Cherokee Colbert Alabama View Map
35617 Cloverdale Lauderdale Alabama View Map
35618 Courtland Lawrence Alabama View Map
35619 Danville Morgan Alabama View Map
35620 Elkmont Limestone Alabama View Map
35621 Eva Morgan Alabama View Map
35622 Falkville Morgan Alabama View Map
35630 Florence Lauderdale Alabama View Map
35631 Florence Lauderdale Alabama View Map
35632 Florence Lauderdale Alabama View Map
35633 Florence Lauderdale Alabama View Map
35634 Florence Lauderdale Alabama View Map
35640 Hartselle Morgan Alabama View Map
35643 Hillsboro Lawrence Alabama View Map
35645 Killen Lauderdale Alabama View Map
35646 Leighton Colbert Alabama View Map
35647 Lester Limestone Alabama View Map
35648 Lexington Lauderdale Alabama View Map
35649 Mooresville Limestone Alabama View Map
35650 Moulton Lawrence Alabama View Map
35651 Mount Hope Lawrence Alabama View Map
35652 Rogersville Lauderdale Alabama View Map
35653 Russellville Franklin Alabama View Map
35654 Russellville Franklin Alabama View Map
35660 Sheffield Colbert Alabama View Map
35661 Muscle Shoals Colbert Alabama View Map
35662 Muscle Shoals Colbert Alabama View Map
35670 Somerville Morgan Alabama View Map
35671 Tanner Limestone Alabama View Map
35672 Town Creek Lawrence Alabama View Map
35673 Trinity Morgan Alabama View Map
35674 Tuscumbia Colbert Alabama View Map
35677 Waterloo Lauderdale Alabama View Map
35699 Decatur Morgan Alabama View Map
35739 Ardmore Limestone Alabama View Map
35740 Bridgeport Jackson Alabama View Map
35741 Brownsboro Madison Alabama View Map
35742 Capshaw Limestone Alabama View Map
35744 Dutton Jackson Alabama View Map
35745 Estillfork Jackson Alabama View Map
35746 Fackler Jackson Alabama View Map
35747 Grant Marshall Alabama View Map
35748 Gurley Madison Alabama View Map
35749 Harvest Madison Alabama View Map
35750 Hazel Green Madison Alabama View Map
35751 Hollytree Jackson Alabama View Map
35752 Hollywood Jackson Alabama View Map
35754 Laceys Spring Morgan Alabama View Map
35755 Langston Jackson Alabama View Map
35756 Madison Limestone Alabama View Map
35757 Madison Madison Alabama View Map
35758 Madison Madison Alabama View Map
35759 Meridianville Madison Alabama View Map
35760 New Hope Madison Alabama View Map
35761 New Market Madison Alabama View Map
35762 Normal Madison Alabama View Map
35763 Owens Cross Roads Madison Alabama View Map
35764 Paint Rock Jackson Alabama View Map
35765 Pisgah Jackson Alabama View Map
35766 Princeton Jackson Alabama View Map
35767 Ryland Madison Alabama View Map
35768 Scottsboro Jackson Alabama View Map
35769 Scottsboro Jackson Alabama View Map
35771 Section Jackson Alabama View Map
35772 Stevenson Jackson Alabama View Map
35773 Toney Madison Alabama View Map
35774 Trenton Jackson Alabama View Map
35775 Valhermoso Springs Morgan Alabama View Map
35776 Woodville Jackson Alabama View Map
35801 Huntsville Madison Alabama View Map
35802 Huntsville Madison Alabama View Map
35803 Huntsville Madison Alabama View Map
35804 Huntsville Madison Alabama View Map
35805 Huntsville Madison Alabama View Map
35806 Huntsville Madison Alabama View Map
35807 Huntsville Madison Alabama View Map
35808 Huntsville Madison Alabama View Map
35809 Huntsville Madison Alabama View Map
35810 Huntsville Madison Alabama View Map
35811 Huntsville Madison Alabama View Map
35812 Huntsville Madison Alabama View Map
35813 Huntsville Madison Alabama View Map
35814 Huntsville Madison Alabama View Map
35815 Huntsville Madison Alabama View Map
35816 Huntsville Madison Alabama View Map
35824 Huntsville Madison Alabama View Map
35893 Huntsville Madison Alabama View Map
35894 Huntsville Madison Alabama View Map
35895 Huntsville Madison Alabama View Map
35896 Huntsville Madison Alabama View Map
35897 Huntsville Madison Alabama View Map
35898 Huntsville Madison Alabama View Map
35899 Huntsville Madison Alabama View Map
35901 Gadsden Etowah Alabama View Map
35902 Gadsden Etowah Alabama View Map
35903 Gadsden Etowah Alabama View Map
35904 Gadsden Etowah Alabama View Map
35905 Gadsden Etowah Alabama View Map
35906 Rainbow City Etowah Alabama View Map
35907 Gadsden Etowah Alabama View Map
35950 Albertville Marshall Alabama View Map
35951 Albertville Marshall Alabama View Map
35952 Altoona Etowah Alabama View Map
35953 Ashville Saint Clair Alabama View Map
35954 Attalla Etowah Alabama View Map
35956 Boaz Etowah Alabama View Map
35957 Boaz Marshall Alabama View Map
35958 Bryant Jackson Alabama View Map
35959 Cedar Bluff Cherokee Alabama View Map
35960 Centre Cherokee Alabama View Map
35961 Collinsville De Kalb Alabama View Map
35962 Crossville De Kalb Alabama View Map
35963 Dawson De Kalb Alabama View Map
35964 Douglas Marshall Alabama View Map
35966 Flat Rock Jackson Alabama View Map
35967 Fort Payne De Kalb Alabama View Map
35968 Fort Payne De Kalb Alabama View Map
35971 Fyffe De Kalb Alabama View Map
35972 Gallant Etowah Alabama View Map
35973 Gaylesville Cherokee Alabama View Map
35974 Geraldine De Kalb Alabama Alabama
35975 Groveoak De Kalb Alabama Alabama
35976 Guntersville Marshall Alabama Alabama
35978 Henagar De Kalb Alabama Alabama
35979 Higdon Jackson Alabama Alabama
35980 Horton Marshall Alabama Alabama
35981 Ider De Kalb Alabama Alabama
35983 Leesburg Cherokee Alabama Alabama
35984 Mentone De Kalb Alabama Alabama
35986 Rainsville De Kalb Alabama Alabama
35987 Steele Saint Clair Alabama Alabama
35988 Sylvania De Kalb Alabama Alabama
35989 Valley Head De Kalb Alabama Alabama
35990 Walnut Grove Etowah Alabama Alabama
36003 Autaugaville Autauga Alabama Alabama
36005 Banks Pike Alabama Alabama
36006 Billingsley Autauga Alabama Alabama
36008 Booth Autauga Alabama Alabama
36009 Brantley Crenshaw Alabama Alabama
36010 Brundidge Pike Alabama Alabama
36013 Cecil Montgomery Alabama Alabama
36015 Chapman Butler Alabama Alabama
36016 Clayton Barbour Alabama Alabama
36017 Clio Barbour Alabama Alabama
36020 Coosada Elmore Alabama Alabama
36022 Deatsville Elmore Alabama Alabama
36023 East Tallassee Tallapoosa Alabama Alabama
36024 Eclectic Elmore Alabama Alabama
36025 Elmore Elmore Alabama Alabama
36026 Equality Coosa Alabama View Map
36027 Eufaula Barbour Alabama View Map
36028 Dozier Crenshaw Alabama View Map
36029 Fitzpatrick Bullock Alabama View Map
36030 Forest Home Butler Alabama View Map
36031 Fort Davis Macon Alabama View Map
36032 Fort Deposit Lowndes Alabama View Map
36033 Georgiana Butler Alabama View Map
36034 Glenwood Crenshaw Alabama View Map
36035 Goshen Pike Alabama View Map
36036 Grady Montgomery Alabama View Map
36037 Greenville Butler Alabama View Map
36038 Gantt Covington Alabama View Map
36039 Hardaway Macon Alabama View Map
36040 Hayneville Lowndes Alabama View Map
36041 Highland Home Crenshaw Alabama View Map
36042 Honoraville Crenshaw Alabama View Map
36043 Hope Hull Montgomery Alabama View Map
36045 Kent Elmore Alabama View Map
36046 Lapine Montgomery Alabama View Map
36047 Letohatchee Lowndes Alabama View Map
36048 Louisville Barbour Alabama View Map
36049 Luverne Crenshaw Alabama View Map
36051 Marbury Autauga Alabama View Map
36052 Mathews Montgomery Alabama View Map
36053 Midway Bullock Alabama View Map
36054 Millbrook Elmore Alabama View Map
36057 Mount Meigs Montgomery Alabama View Map
36061 Perote Bullock Alabama View Map
36062 Petrey Crenshaw Alabama View Map
36064 Pike Road Montgomery Alabama View Map
36065 Pine Level Montgomery Alabama View Map
36066 Prattville Autauga Alabama View Map
36067 Prattville Autauga Alabama View Map
36068 Prattville Autauga Alabama View Map
36069 Ramer Montgomery Alabama View Map
36071 Rutledge Crenshaw Alabama View Map
36072 Eufaula Barbour Alabama View Map
36075 Shorter Macon Alabama View Map
36078 Tallassee Elmore Alabama View Map
36079 Troy Pike Alabama View Map
36080 Titus Elmore Alabama View Map
36081 Troy Pike Alabama View Map
36082 Troy Pike Alabama View Map
36083 Tuskegee Macon Alabama View Map
36087 Tuskegee Institute Macon Alabama View Map
36088 Tuskegee Institute Macon Alabama View Map
36089 Union Springs Bullock Alabama View Map
36091 Verbena Chilton Alabama View Map
36092 Wetumpka Elmore Alabama View Map
36093 Wetumpka Elmore Alabama View Map
36101 Montgomery Montgomery Alabama View Map
36102 Montgomery Montgomery Alabama View Map
36103 Montgomery Montgomery Alabama View Map
36104 Montgomery Montgomery Alabama View Map
36105 Montgomery Montgomery Alabama View Map
36106 Montgomery Montgomery Alabama View Map
36107 Montgomery Montgomery Alabama View Map
36108 Montgomery Montgomery Alabama View Map
36109 Montgomery Montgomery Alabama View Map
36110 Montgomery Montgomery Alabama View Map
36111 Montgomery Montgomery Alabama View Map
36112 Montgomery Montgomery Alabama View Map
36113 Montgomery Montgomery Alabama View Map
36114 Montgomery Montgomery Alabama View Map
36115 Montgomery Montgomery Alabama View Map
36116 Montgomery Montgomery Alabama View Map
36117 Montgomery Montgomery Alabama View Map
36118 Montgomery Montgomery Alabama View Map
36119 Montgomery Montgomery Alabama View Map
36120 Montgomery Montgomery Alabama View Map
36121 Montgomery Montgomery Alabama View Map
36123 Montgomery Montgomery Alabama View Map
36124 Montgomery Montgomery Alabama View Map
36125 Montgomery Montgomery Alabama View Map
36130 Montgomery Montgomery Alabama View Map
36131 Montgomery Montgomery Alabama View Map
36132 Montgomery Montgomery Alabama View Map
36133 Montgomery Montgomery Alabama View Map
36134 Montgomery Montgomery Alabama View Map
36135 Montgomery Montgomery Alabama View Map
36140 Montgomery Montgomery Alabama View Map
36141 Montgomery Montgomery Alabama View Map
36142 Montgomery Montgomery Alabama View Map
36177 Montgomery Montgomery Alabama View Map
36191 Montgomery Montgomery Alabama View Map
36201 Anniston Calhoun Alabama View Map
36202 Anniston Calhoun Alabama View Map
36203 Oxford Calhoun Alabama View Map
36204 Anniston Calhoun Alabama View Map
36205 Anniston Calhoun Alabama View Map
36206 Anniston Calhoun Alabama View Map
36207 Anniston Calhoun Alabama View Map
36210 Anniston Calhoun Alabama View Map
36250 Alexandria Calhoun Alabama View Map
36251 Ashland Clay Alabama View Map
36253 Bynum Calhoun Alabama View Map
36254 Choccolocco Calhoun Alabama View Map
36255 Cragford Clay Alabama View Map
36256 Daviston Tallapoosa Alabama View Map
36257 De Armanville Calhoun Alabama View Map
36258 Delta Clay Alabama View Map
36260 Eastaboga Calhoun Alabama View Map
36261 Edwardsville Cleburne Alabama View Map
36262 Fruithurst Cleburne Alabama View Map
36263 Graham Randolph Alabama View Map
36264 Heflin Cleburne Alabama View Map
36265 Jacksonville Calhoun Alabama View Map
36266 Lineville Clay Alabama View Map
36267 Millerville Clay Alabama View Map
36268 Munford Talladega Alabama View Map
36269 Muscadine Cleburne Alabama View Map
36271 Ohatchee Calhoun Alabama View Map
36272 Piedmont Calhoun Alabama View Map
36273 Ranburne Cleburne Alabama View Map
36274 Roanoke Randolph Alabama View Map
36275 Spring Garden Cherokee Alabama View Map
36276 Wadley Randolph Alabama View Map
36277 Weaver Calhoun Alabama View Map
36278 Wedowee Randolph Alabama View Map
36279 Wellington Calhoun Alabama View Map
36280 Woodland Randolph Alabama View Map
36301 Dothan Houston Alabama View Map
36302 Dothan Houston Alabama View Map
36303 Dothan Houston Alabama View Map
36304 Dothan Houston Alabama View Map
36305 Dothan Houston Alabama View Map
36310 Abbeville Henry Alabama View Map
36311 Ariton Dale Alabama View Map
36312 Ashford Houston Alabama View Map
36313 Bellwood Geneva Alabama View Map
36314 Black Geneva Alabama View Map
36316 Chancellor Geneva Alabama View Map
36317 Clopton Henry Alabama View Map
36318 Coffee Springs Geneva Alabama View Map
36319 Columbia Houston Alabama View Map
36320 Cottonwood Houston Alabama View Map
36321 Cowarts Houston Alabama View Map
36322 Daleville Dale Alabama View Map
36323 Elba Coffee Alabama View Map
36330 Enterprise Coffee Alabama View Map
36331 Enterprise Coffee Alabama View Map
36340 Geneva Geneva Alabama View Map
36343 Gordon Houston Alabama View Map
36344 Hartford Geneva Alabama View Map
36345 Headland Henry Alabama View Map
36346 Jack Coffee Alabama View Map
36349 Malvern Geneva Alabama View Map
36350 Midland City Dale Alabama View Map
36351 New Brockton Coffee Alabama View Map
36352 Newton Dale Alabama View Map
36353 Newville Henry Alabama View Map
36360 Ozark Dale Alabama View Map
36361 Ozark Dale Alabama View Map
36362 Fort Rucker Dale Alabama View Map
36370 Pansey Houston Alabama View Map
36371 Pinckard Dale Alabama View Map
36373 Shorterville Henry Alabama View Map
36374 Skipperville Dale Alabama View Map
36375 Slocomb Geneva Alabama View Map
36376 Webb Houston Alabama View Map
36401 Evergreen Conecuh Alabama View Map
36420 Andalusia Covington Alabama View Map
36421 Andalusia Covington Alabama View Map
36425 Beatrice Monroe Alabama View Map
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