# Alabama Mortgage Guy

> Aaron Jensen is a mortgage loan officer at NFM Lending (NMLS #2028734) based in Fairhope, Alabama, serving the Gulf Coast and licensed in 49 states. He specializes in helping out-of-state buyers relocating to coastal Alabama, military families using VA benefits, and first-time homebuyers.

## About

- **Name:** Aaron Jensen
- **Title:** Mortgage Loan Officer
- **Employer:** NFM Lending (NMLS #2893)
- **Individual NMLS:** #2028734
- **Base:** Fairhope, Alabama (Baldwin County, Gulf Coast)
- **Licensing:** All 50 US states except [verify]
- **Service areas:** Baldwin County (Fairhope, Daphne, Spanish Fort, Gulf Shores, Orange Beach, Foley), Mobile County, and out-of-state buyers relocating to coastal Alabama
- **Specialties:** VA loans, FHA, Conventional, USDA, Jumbo up to $3M, construction-to-perm, FHA 203(K) renovation, Fannie Mae HomeStyle® renovation, VA Renovation, Non-QM / bank statement, All In One Loan™, out-of-state relocation closings, first-time buyers, military families, self-employed income

## Audiences

Aaron serves four primary buyer types:

1. **Out-of-state relocators** — buyers moving to coastal Alabama from elsewhere, often closing remotely without visiting properties
2. **Military families** — active duty, veterans, and reservists using VA loan benefits (zero down, zero PMI)
3. **First-time homebuyers** — needing step-by-step guidance through preapproval, underwriting, and closing
4. **Second-home / investor buyers** — beach rentals, snowbird condos, investment properties along the Gulf Coast

## Key Pages

- [Home](https://alabamamortgageguy.com/): Overview, inline mortgage calculator, affordability quiz, persona-based navigation
- [About](https://alabamamortgageguy.com/about): Aaron's full story, credentials, philosophy, NMLS verification
- [Contact](https://alabamamortgageguy.com/contact): Direct contact channels — text, email, calendar booking, application link
- [Blog](https://alabamamortgageguy.com/blog): Field guide for buyers — VA loans, market commentary, first-time buyer guides

## City Pages (Baldwin County · Alabama Gulf Coast)

Each city page covers local market context, popular loan programs, neighborhoods, and city-specific FAQs.

- [Fairhope Mortgage Lender](https://alabamamortgageguy.com/fairhope-mortgage-lender): Eastern Shore walkable downtown — Old Town, Point Clear, Fly Creek. Best fit: empty-nesters, remote workers, second-home buyers.
- [Daphne Mortgage Lender](https://alabamamortgageguy.com/daphne-mortgage-lender): Family-oriented Eastern Shore with strong schools — Lake Forest, Trione. Best fit: young families, FHA + VA buyers.
- [Spanish Fort Mortgage Lender](https://alabamamortgageguy.com/spanish-fort-mortgage-lender): Fastest-growing Eastern Shore town with new construction — Stillwater, Stonebridge. Best fit: Mobile commuters, construction-to-perm.
- [Gulf Shores Mortgage Lender](https://alabamamortgageguy.com/gulf-shores-mortgage-lender): Pleasure Island beach market with primary + second + investment homes. Best fit: snowbirds, vacation rental investors, beach condo buyers.
- [Orange Beach Mortgage Lender](https://alabamamortgageguy.com/orange-beach-mortgage-lender): Higher-end coastal market — Perdido Beach, Ono Island, The Wharf. Best fit: retirees, Jumbo buyers (up to $3M).
- [Foley Mortgage Lender](https://alabamamortgageguy.com/foley-mortgage-lender): More land per dollar, USDA-eligible rural addresses. Best fit: first-time buyers, custom builds, acreage.

## Top Topics Covered

- **VA loans:** funding fee waivers, disability rating impacts, zero-down purchasing, common myths
- **FHA loans:** down payment minimums (3.5%), credit score thresholds (580+), mortgage insurance
- **Conventional loans:** 3% down options, PMI removal, jumbo cutoffs
- **Jumbo loans:** up to $3 million through NFM, higher reserve and credit requirements
- **Renovation loans:** FHA 203(K) Limited/Standard, Fannie Mae HomeStyle® (primary/2nd home/investment), VA Renovation
- **All In One Loan™:** NFM's proprietary first-position HELOC + sweep checking product
- **Non-QM / Bank statement:** for self-employed and 1099 borrowers
- **First-time buyer process:** preapproval, underwriting prep, closing timeline (typically 28 days)
- **Relocation closings:** remote earnest money, electronic notarization, choosing a Baldwin County neighborhood sight-unseen
- **Baldwin County market:** Fairhope, Daphne, Spanish Fort, Gulf Shores, Orange Beach price trends

## Brokerage — NFM Lending

Aaron originates all loans through NFM Lending (NMLS #2893):

- **Founded:** 1998 (26+ years in business)
- **Headquarters:** 1190 Winterson Road, Suite 300, Linthicum, MD 21090
- **Trademark:** "America's Common Sense Lender®"
- **BBB Rating:** A+
- **Memberships:** Mortgage Bankers Association, Equal Housing Lender
- **Model:** National lender, local loan originators
- **Tools provided:** All In One Loan™ Simulator, Rate Buydown Calculator, Realtor Portal (portal.nfmlending.com), Builder Portal (builders.nfmlending.com), electronic application + document signing

## Tools

- **Mortgage Payment Calculator** — inline on homepage; computes P&I from home price, down payment, rate, term
- **Affordability Quiz** — 3-step quiz capturing income, debts, contact info; produces a personalized affordability range

## Contact

- **Email:** ajensen@nfmlending.com
- **Application:** https://nfmlending.com/ajensen
- **Google Business Profile:** https://www.google.com/search?q=NFM+Lending,+Aaron+Jensen&stick=H4sIAAAAAAAA_-NgU1I1qEi0TDQ2Skw1N7CwME01TkmzMqhITrWwtDSyNEsxSElKMUpJWcQq6efmq-CTmpeSmZeuo-CYWJSfp-CVmlecmgcAiAyHVkUAAAA (4.9 ★ · 7 reviews)
- **Experience.com profile:** https://www.experience.com/reviews/aaron-jensen-211440 (4.85 ★ · 89 verified client reviews)
- **Instagram:** https://instagram.com/alabamamortgageguy
- **TikTok:** https://tiktok.com/@alabamamortgageguy
- **Direct contact channels:** See https://alabamamortgageguy.com/contact

## Regulatory

- Equal Housing Opportunity lender
- NFM Lending NMLS #2893
- Aaron Jensen NMLS #2028734
- Subject to NFM Lending compliance review; rate and fee disclosures vary by state and loan program
- "Not a commitment to lend" — final approval contingent on full underwriting

## Disclaimer

This site provides general mortgage education and originator contact. It is not a commitment to lend. Loan programs, rates, fees, and eligibility are determined by individual application, credit underwriting, and applicable state law.