Your Local Mortgage Lender

Located in Birmingham, Alabama

Personalized Mortgage Experience

Jason Cook 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!

The Home Loan Process

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.

Don't take my word for it

Mortgage Programs

Experience the best mortgage experience located in Birmingham, 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.

Frequently Asked Questions

How often can I refinance my mortgage?

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.

Can I buy a home if I do not have money for a down payment?

Yes! There are a number of bond programs that offer low or no down payment financing options.

How do I know which mortgage is right for me?

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.

How long will the loan process take?

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.

Will I qualify for a home loan?

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.

Why do people refinance their mortgages?

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.

How much money will I have to pay upfront to buy a home?

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.

Can I get a mortgage after bankruptcy?

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.

Should I lock my interest rate now, or wait until we are closer to our closing?

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.

Most Recent Blog Updates

Jason Cook Talks Birmingham Market Strategy and Pricing With RE/MAX’s George Lawton

Jason Cook Talks Birmingham Market Strategy and Pricing With RE/MAX’s George Lawton

October 30, 2026•5 min read


From Youth Ministry to Construction to Birmingham Real Estate

Jason Cook welcomed George Lawton of Team Lawton with RE/MAX to the Real Estate Insights Podcast for week two of the series, a conversation about what is happening in the Birmingham market and how one agent’s unusual path became a real advantage for buyers and sellers. The two have known each other since they pledged the same fraternity at Samford in the fall of 1996, which made for a relaxed and friendly interview.

George grew up outside Atlanta and came to Birmingham for college. After graduating he went on to Beeson Divinity School and spent almost ten years in youth ministry. When a church transition coincided with the difficult season of infertility, he and his wife Ann stepped back from ministry to heal and figure out what came next. That season lasted about eight years and included having three children in twenty-two months, with twins arriving when their oldest was twenty-two months old. During that time George worked in construction, and the couple also bought rental properties and completed a flip.

Ann suggested real estate. George had people skills, ministry skills, and construction insight, all of which fit the work. Changing careers in his late thirties was hard, but they felt a sense of peace about it, and George quit his construction job to go full time. About twelve years later he says the previous twenty years finally make sense because of how well they prepared him.

Why Ministry and Construction Skills Matter in Real Estate

George points out that real estate is often romanticized as a series of happy moves for promotions and growing families. The other side includes divorce, death in the family, and aging parents who can no longer stay in a home with stairs. Those situations require patience and care, and ministry trained him to handle them well.

The construction background helps on the buyer side. Knowing whether a wall is load bearing before planning a kitchen remodel matters, and walls cannot just be removed on a whim. Because George and Ann own a portfolio of rentals and flips, they can help investors look past polished finishes and dig into realistic repair costs and numbers. They have helped clients buy and sell commercial, investment, flip, and primary residence properties, and have owned all of those themselves.

A Husband and Wife Team With Complementary Strengths

Team Lawton gives clients two people with different strengths. George handles numbers, strategy, and contract negotiation. Ann is the expert on staging, from deciding whether to pull up a dining room rug to rearranging furniture so a home shows at its best. She also holds a master’s degree in Christian counseling, practiced full time for about fifteen years, and still works one day a week, which comes in handy when a transaction hits a crisis.

Their listing strategy often involves listing on a Thursday or Friday, letting the home settle through the weekend, and then holding an open house on Sunday to bring as many people through as possible in a short time. Having two agents means they can cover two open houses in one weekend or keep showing homes while one is tied up. And because they live together, communication about each client is simple.

What Buyers Are Asking About Rates

George says lenders are doing a good job setting expectations on budget and payment, so most buyers arrive with a sense of their range. The questions he hears now are about rates that keep fluctuating and whether to wait. He sees his job as being a resource rather than persuading anyone. He walks clients through scenarios such as buying today versus waiting a year while a home appreciates seven or eight percent and rates drop only a half percent.

He acknowledges the emotional sting of having seen rates in the twos and now seeing them threaten eight. Still, when people are truly ready to buy, rates rarely decide it for them. He also offers a perspective on borrowing costs. If your money invested in the market earns roughly what you pay to borrow, then the cost of a home you can live in, improve, and keep as long as you want is a fair trade.

The exception is the buyer who set a budget off a six percent rate a year ago and now finds that the same homes cost more and carry a higher rate, which can be a hard adjustment. George says those cases are less common than people assume.

Advice for Sellers in a Normal Market

George says the market feels normal, and that agents who remember both 2008 and 2021 know the sky is not falling. He notes that agents who earned their licenses after 2020 and have never had a listing sit may feel panic, which can reduce cooperation between agents. His advice for anyone choosing an agent is to find someone who has been through multiple cycles and can stay calm.

For sellers, the days of listing far above market and receiving an even higher offer are mostly over unless the property is truly exceptional. He recommends pricing fairly, removing emotion, and using comparables, days on market, and list to sale price ratios. Homes that are even slightly overpriced, or priced fairly but in worse condition than the price implies, will sit. After two weeks the momentum and leverage are gone, and a house that sits two weeks often sits a couple of months. His approach is to be aggressive with staging, price, and marketing, but also patient.

He also describes the seasonal pattern. Activity typically slows a couple of weeks before school starts and for a few weeks after, picks up until the holidays, then slows through late fall and winter. With fewer buyers this year because of rates, George believes the dam will break in spring, when buyers who were scared off in the fall return. Sellers who can wait a couple of months without cutting the price may be able to capture that increase.

How to Reach Team Lawton

George is on Facebook, where he has both a personal account and a Team Lawton page, and on Instagram at @georgelawtonrealtor. His RE/MAX website is georgelawton.soldonbirmingham.com. He describes real estate as a ministry and a passion, and says meeting Ann is well worth the visit.

Jason Cook works with buyers and homeowners across the Birmingham area on mortgage financing and welcomes conversations about rates, payments, and the right timing for your move. Reach out to Jason to talk through your options.


Sources

BirminghamAssociationofRealtors.com
NAR.realtor
Realtor.com
FreddieMac.com
ConsumerFinancialProtectionBureau.gov

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