Business Details
28 Years
experience
Your Trusted Mortgage Partner in Birmingham, AL
Founded in 1998 by Birmingham natives Jim King and Travis McGowin, our company was built on the principles of integrity, trust, and community involvement. With over 80 years of combined experience in the mortgage industry, we prioritize relationships over transactions, ensuring personalized service before, during, and after every loan process. Our team of 14 dedicated professionals, including second-generation members Jimbo and Warner, focuses on exceeding client expectations through transparency and expertise. We specialize in purchase/refinance, construction/renovation, and reverse mortgage solutions, serving clients in Birmingham, Huntsville, and across Alabama.Our commitment to ethical practices and local lending has earned us consistent client referrals and long-term partnerships. By combining decades of experience with a client-first philosophy, we aim to simplify complex mortgage processes and deliver tailored financial solutions. Our NMLS-licensed team ensures compliance with industry standards while maintaining a community-centric approach to every transaction.
Services
Purchase/Refinance
Construction/Renovation
Reverse Mortgages
HECM Loans
Loan Brokering
Details
- Year established: 1998
Highlights and features
- We offer over 80 years of combined mortgage industry experience with local Alabama expertise.
- Our team provides personalized service before, during, and after your loan process.
- We specialize in complex loan scenarios including HUD incentive and reverse mortgages.
- Our second-generation leadership ensures continuity of trusted family values.
- We maintain transparent communication with no hidden fees or pressured decisions.
Associations and certifications
- NMLS
What people say
Smooth process
Knowledgeable staff
Great rates
Responsive and supportive
Painless refinance
Services
Purchase/Refinance
We provide tailored purchase and refinance solutions for primary residences, investment properties, and second homes. Our process simplifies rate comparisons and loan options while maintaining transparent communication throughout closing. Clients benefit from competitive rates and personalized guidance from experienced loan officers.
Construction/Renovation
Specializing in new construction and major renovation financing, we offer phased funding solutions for custom homes and property upgrades. Our team coordinates with contractors and title companies to ensure seamless disbursements aligned with project milestones. Clients receive dedicated support for permit approvals and budget management.
Reverse Mortgages
We facilitate Home Equity Conversion Mortgages (HECM) for seniors seeking to access home equity without monthly payments. Our counselors explain eligibility requirements, financial implications, and estate planning considerations. The process includes mandatory HUD-approved counseling and customized payment structure options.
Loan Brokering
As independent brokers, we connect clients with multiple lenders to find optimal loan products. Our network includes conventional, FHA, VA, and USDA financing options. We negotiate terms on behalf of borrowers while providing comparative analyses of rates, fees, and long-term costs.
HUD Incentive Loans
We specialize in HUD incentive programs for unique properties requiring rehabilitation or located in designated revitalization areas. Our experts navigate complex documentation requirements and coordinate with government agencies to secure favorable terms. Clients receive guidance on eligibility criteria and post-closing compliance obligations.
People
Jim King
Co-Founder
With over 40 years in mortgage banking, Jim established McGowin-King Mortgage to emphasize relationship-based lending. He oversees strategic operations and ensures adherence to the company's founding principles of integrity and community service.
Travis McGowin
Co-Founder
Bringing decades of underwriting expertise, Travis co-founded the company to prioritize client education and transparent communication. He mentors loan officers on ethical lending practices and complex loan structuring.
Jimbo King
Loan Officer
Joining in 2006, Jimbo combines generational knowledge with modern lending technology. He specializes in first-time homebuyer programs and maintains a 98% client satisfaction rate through proactive communication.
Warner McGowin
Loan Officer
As a second-generation mortgage professional since 2011, Warner focuses on jumbo loans and investment property financing. He holds multiple industry certifications and maintains a 5-star client review average.
John McCabe
Senior Loan Officer
Specializing in reverse mortgages and HUD loans, John has processed over $500M in volume. He provides after-hours support for clients with urgent questions or time-sensitive transactions.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, USDA, reverse mortgages, construction loans, and specialty programs like HUD incentive financing for unique properties.
How does your mortgage application process work?
Start with our secure online application, then receive personalized guidance from a local loan officer within one business day to complete documentation and underwriting.
Do you provide rate guarantees?
While we can't guarantee rates due to market fluctuations, we offer rate lock options and transparent explanations of current market conditions affecting pricing.
How long does mortgage closing take?
Standard closings occur within 30-45 days, though complex transactions like construction loans may require additional time for inspections and phased funding.
Can you help with bad credit mortgages?
We work with multiple lenders to find solutions for non-prime credit situations, though eligibility depends on specific factors like credit history and debt-to-income ratio.
Do you offer refinancing options?
Yes, we provide rate-and-term refinancing, cash-out refinancing, and streamline options for existing homeowners seeking better terms or equity access.
