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Russell

Russell Carmichael

Branch Manager, VP

|

NMLS ID# 1492025

Contact

Decatur, AL

Monday: 9am – 5pm
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm

About Russell

For the past 10 years, I’ve helped families across North Alabama navigate the home financing process with confidence. Whether you’re buying your first home or planning your next move, my goal is simple. I provide expert guidance, clear communication, and financing solutions that fit your goals. I proudly serve homebuyers throughout North Alabama, with a primary focus on Morgan, Lawrence, Limestone, and Madison counties. I specialize in helping first-time homebuyers become homeowners through down payment assistance programs, FHA loans, and other low down-payment financing options. Many buyers are surprised to learn they can purchase a home with far less money out of pocket than they expected. I enjoy educating my clients, answering their questions, and helping them choose the loan that best fits their needs. For move-up buyers, I provide more than financing. I help clients evaluate their options, compare different strategies, and develop a plan that supports both their short-term and long-term financial goals. Whether that means using a bridge loan, deciding when to buy versus sell, or comparing multiple financing scenarios, I help my clients make informed decisions with confidence. Throughout my career, I’ve earned a reputation for solving challenging financing situations. From complex income scenarios to difficult guideline questions, I’ve helped many buyers successfully close transactions that others believed could not be done. Experience matters when unexpected challenges arise, and I take pride in finding solutions that help my clients reach the closing table. When you work with me, you can expect honest advice, responsive communication, and a commitment to making the mortgage process as smooth as possible. My goal is not just to help you get a loan. My goal is to help you make smart financial decisions while providing an exceptional experience from our first conversation through closing. If you’re looking for a knowledgeable mortgage professional who will take the time to understand your goals, explain your options clearly, and guide you every step of the way, I would love the opportunity to help you achieve your homeownership goals.

I am licensed in: AL, TN, GA, FL

How much house
can I afford?

Fine-tune your payment based on interest, rates, term, and down payment.

Est. Monthly Payment
(P&I, Taxes & Insurance)

$1,814.04
Loan Term

Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.


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