Harris Doyle Homes - A Berkshire Hathaway Company
A Berkshire Hathaway Company
Harris Doyle Homes


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Financing Your New Home

Financing a home can be stressful, but it doesn't have to be! We've made the mortgage loan process easier. Harris Doyle Homes has partnered with three preferred lenders who specialize in our product and new home construction.

  •  Silverton Mortgage
  • Renasant Mortgage Lending
  • Synovus Bank

When you use one of our preferred lenders to finance your home, you may receive up to $2,500 toward your closing costs, making your transition to your new home that much smoother.

Get Pre-Approved With Silverton Mortgage

Contact Silverton's Mortgage Loan Originator, Stephanie Gant, for a free confidential review of your financial situation. Then you can visit one of our model homes with confidence of your ability to purchase a new home. Silverton Mortgage has a team of processors and underwriters specifically for Harris Doyle Homes' buyers, who are available to answer questions seven days a week. A mortgage loan officer will do a free, confidential review of your financial situation and advise you on the home loan that best suit your needs. There are a wide variety of products (different types of loans) available. Silverton is familiar with our sales team and closing coordinators, offers competitive rates and Harris Doyle will pay $2500 toward your closing if you use Silverton Mortgage.

Stephanie Gant, NMLS # 184503, MLO

Stephanie Gant, NMLS # 184503, MLO

Mortgage Loan Originator
Cell: 205-516-7282
Office: 205-506-2002
Fax: 205-650-1917
Email: stephanie.gant@silvertonmortgage.com
3115 Timberlake Road, Ste 200  Birmingham,  AL.  35243

*Silverton Mortgage closing cost credit is paid by Harris Doyle Homes and is only available for borrowers financing the purchase of a new home from Harris Doyle Homes with Silverton Mortgage. Closing cost credit will be limited to the amount of the actual closing costs, up to $2,500. Closing costs that exceed $2,500 are the responsibility of and must be paid by the buyer financing with Silverton Mortgage. Closing cost credit may not be available with all loan programs.

All loans are subject to credit approval.
Vanderbilt Mortgage and Finance, Inc., dba Silverton Mortgage, 1201 Peachtree St NE, Ste 2050, Atlanta, Georgia 30361, 855-815-0291, NMLS #184503, (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act license, Georgia Residential Mortgage (Lic. #6911), MT Lic. #1561, Licensed by the N.J. Department of Banking and Insurance, Licensed by PA Dept. of Banking, Rhode Island Licensed Lender. All information is believed accurate and is subject to change without notice.

Clayton Properties Group, Inc., doing business as Harris Doyle, and Vanderbilt Mortgage and Finance, Inc., doing business as Silverton Mortgage (“Silverton”) are each indirect, wholly owned subsidiaries of the same parent company. Because of this relationship, the referral of a customer by Harris Doyle to Silverton, may provide Harris Doyle and Silverton with a financial or other benefit.

Get Pre-Approved With Renasant Mortgage Lending

Renasant Mortgage treats our customers like family. This means that we care for our customers and want to see them succeed. We will work with you to help you get approved for the mortgage of your dreams. We have a wide variety of mortgage services and offerings to meet your home lending needs. Are you a first-time homeowner? Looking at a large purchase with a Jumbo Mortgage? Perhaps you need a standard 30-year fixed-rate mortgage loan? Renasant Mortgage has a solution for you. Our experienced mortgage lending professionals will guide you through the process of applying for a mortgage or refinancing for a lower rate. They’ll help make you feel right at home while helping you explore your options and decide on a mortgage solution that is right for you. Melissa DeCarlo is Harris Doyle's preferred Renasant Mortgage Lending specialist with more than 24 years of lending experience. She has a passion for creating homeownership opportunities for families and is experienced in residential, conventional, FHA, VA, Portfolio, renovation and construction lending. Contact her today to get started!

Melissa DeCarlo, NMLS #: 595166

Melissa DeCarlo, NMLS #: 595166

Senior Mortgage Banker
Cell: (205) 602-4769
Office: 205) 327-8115
Fax: (205) 278-4531
Email: mdecarlo@renasant.com
2001 Park Place North, Suite 650  Birmingham,  Alabama.  35203

©2023 Renasant Bank. NMLS #402669. All loans or offers of credit are subject to credit or underwriting approval. Other fees, conditions and restrictions may apply. This is not a commitment to lend. 

Get Pre-Approved With Synovus Bank

Synovus Bank offers customers a variety of home loans, including conventional, Physician, Jumbo, FHA and VA mortgages as well as other affordable housing products. Because our mortgage loan originators have experience in specific regions, their local insights help customers make more informed decisions, from buying a first home to a dream vacation home. Our decision-making also happens at the local level, leading to a truly personal and efficient experience. John Johnsey is Harris Doyle’s preferred Synovus lender and will lead you through the process with expertise, white glove service and above all the guidance to help you purchase your new home with ease. Contact John today to get started on your new home purchase!

John Johnsey, NMLS: 415254

John Johnsey, NMLS: 415254

Mortgage Loan Originator
Cell: 205-222-0109
Office: 205-874-1457
Fax: 205-874-1328
Email: johnjohnsey@synovus.com
800 Shades Creek Pkwy, 3rd Floor, MS300  Birmingham,  Alabama.  35209

Financing FAQ

What documents do I need to apply for a new home loan?

Items needed for a loan application may include W-2s and tax returns from the last two years, current pay stubs with year to date earnings, statements for checking, savings, other bank or investment accounts, proof of monthly rental or mortgage payments, and the names of current or past employers. There are also programs available for buyers with non-traditional careers; don’t let the fact that you don’t have access to some of these documents keep you from applying. Two years of employment history is required.

What is a credit score?

Along with a credit report, lenders will request a credit score (FICO) to help determine whether or not you are eligible for a loan. The score is a credit overview and is weighed by the following:

35% payment history

30% amounts owed

15% length of credit history

10% new credit

10% types of credit used

A median credit score (FICO) ranges from 690 to 740.

Can you explain the mortgage process?

There are six steps to the mortgage process: Pre-Approval, Submitting Initial Docs, Processing, Underwriting, Pre-Closing, and Closing. Click here to watch a short video walking you through the whole thing.

Is there anything special I should do with my finances prior to closing?

You’ve found your dream home and are in the process of closing on your loan, but you haven’t crossed the finish line yet! In this blog, Silverton Mortgage breaks down what you should NOT do leading up to your closing day so that there are no roadblocks as you near the end of your homebuying journey.

Can you define basic mortgage terminology?

Adjustable Rate Mortgage (ARM) – a mortgage whose interest rate changes over time-based on the index.

Annual Percentage Rate (APR) – the total yearly cost of a mortgage expressed as a percentage. It includes interest and other finance charges such as points, origination fees and mortgage insurance.

Debt-to-Income Ratio – the ratio used as a factor in determining if you qualify for a mortgage. Compares your total monthly housing expense and other debt (the amount you pay out) with your total monthly gross income (the amount you earn).

Deed – the legal document conveying title to a property.

Down Payment – the difference between the sales price of the home and the mortgage amount. Buyer pays with cash and does not finance with a mortgage.

Earnest Money – a deposit given to the seller to show that a prospective buyer is serious about purchasing the house.

FHA Loan – a mortgage that is insured by the Federal Housing Administration (FHA).

Fixed-Rate Mortgage – a mortgage in which the interest rate does not change during the entire term of the loan.

Homeowner’s Insurance – Insurance that protects your home and possessions from theft and damage.

Interest – a fee you pay for borrowing money.

PITI – "Principal-Interest-Taxes-Insurance", the four elements of your monthly mortgage payment.

Prequalification – the process of pre-determining how much money a prospective buyer might be eligible to borrow. Prequalifying for a loan does not guarantee approval.

Principal – your loan amount, not including interest; the amount borrowed or remaining unpaid. Also, the part of the monthly payment that reduces the outstanding balance of a mortgage.

Purchase/Sales Agreement – a contract between the buyer and seller that defines the terms and conditions of the home purchase.

Title – written evidence that proves you are the owner of your property.

Underwriting – the analysis of your overall credit and property value and the determination of a mortgage rate and term.

Mortgage Calculator

Our easy-to-use mortgage calculator will help you generate a mortgage estimate and understand how much home you may be able to afford. View personalized scenarios such as interest rate and loan term, to see what home loan may work best for you.

Disclosure: “This mortgage calculator is for illustrative purposes only and is not a guarantee. The monthly payment illustration on this tool does not include amounts for property taxes, insurance premiums, homeowner’s association dues, or other factors that potentially could affect your monthly payment. Therefore, your actual monthly payment will be higher. Interest rates change frequently and without notice. Financing availability and terms will depend on your situation.”



Estimated Payment:


Principal and Interest only.

Ready to Get Started?

Our team is ready to help. Connect with us today and get started on your dream home.

mailContact Us Today!



(205) 307-5366

3111 Timberlake Drive
Birmingham, AL 35243

Harris Doyle Homes - A Berkshire Hathaway Company


(205) 307-5366

3111 Timberlake Drive
Birmingham, AL 35243

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Do Not Sell or Share My Personal Information

© 2024 Harris Doyle Homes. All Rights Reserved.



Do Not Sell or Share My Personal Information

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