· Baldwin County · Licensed in 49 states
Foley Mortgage Lender.
More land per dollar — first-time buyers, custom builds, and acreage south of Daphne.
Foley is the most affordable of the South Baldwin towns. You'll find more square feet per dollar and more land per acre here than on the Eastern Shore, which makes it the most common starting point for first-time buyers and custom-build buyers in my files.
Who I help most in Foley
- First-time buyers
- Custom-build buyers wanting acreage
- USDA rural-loan eligible buyers
- Families priced out of Daphne or Fairhope
About the Foley market
Foley is roughly 15 minutes north of Gulf Shores and the same distance south of Daphne. OWA, the regional theme-park and entertainment district, sits in town. Tanger Outlets is here. Inventory ranges from $200K starter homes in older neighborhoods to multi-acre new builds along the Foley Beach Express.
Many properties on Foley's outskirts qualify for USDA financing — a 100% financing program for rural areas with no down payment required. USDA does have income limits, but they're more generous than most buyers expect. I can pre-check USDA eligibility on any address before you tour the home.
For buyers wanting a custom home on a few acres, construction-to-perm through NFM Lending is the cleanest path: one closing for both the build phase and the permanent mortgage. I work with several builders in Foley and the surrounding county.
Loan programs most common in Foley
- USDA 100% financing (rural-eligible properties)
- FHA 3.5% down (first-time buyers)
- Conventional 3% down (move-up buyers)
- Construction-to-perm (custom builds, acreage)
Through NFM Lending (NMLS #2893), I also originate Jumbo up to $3M, renovation (FHA 203K, Fannie Mae HomeStyle, VA Renovation), construction-to-perm, Non-QM bank statement, the All In One Loan™, and refinances. Run your numbers →
Neighborhoods I close deals in
Useful nearby anchors
- OWA Parks & Resort
- Tanger Outlets Foley
- Gulf Shores (~15 min south)
- Pensacola International Airport (~40 min east)
Common questions about buying in Foley
Can I use a USDA loan in Foley?
Yes, on eligible rural-designated addresses. The USDA loan is 100% financing — zero down payment — with no monthly mortgage insurance (USDA has an annual fee, but it's lower than FHA's). Income limits apply but are usually higher than buyers expect. I can pre-check any Foley-area address against the USDA eligibility map before you start touring.
Is Foley a good market for first-time buyers?
Foley typically has the most accessible price points in Baldwin County, making it the most common landing spot for first-time buyers priced out of Daphne or Fairhope. Combined with USDA eligibility on many addresses and FHA's 3.5% down option, you can be in a home in Foley with very little cash to close.
Ready when you are
Let's talk about your Foley move.
Email me at ajensen@nfmlending.com or start the preapproval — about 12 minutes online, soft credit pull, same-day callback.