Eleven billion dollars in mortgages.
One human at a time.
AMIC is a regional mortgage lender headquartered in Spanish Fort, Alabama. We've been originating loans by phone — one borrower at a time — since 2003.
A regional mortgage lender. Built differently.
Three things we still do.
There are larger lenders. There are slicker apps. But there are three things a regional lender can do that a national one structurally cannot — and they're the three that matter when something gets complicated in your file.
A person answers the phone.
Not a chatbot. Not a phone tree. A licensed loan officer whose name you'll know within ten seconds of the first call, and whose direct line you'll have for the life of the loan.
We close in our own name.
AMIC is the lender on your closing documents — not a broker passing your file to someone you've never spoken to. The person on the phone is the person funding the loan.
Our title company is just down the street.
Nations Direct Title Agency, our affiliate, works just down the street in Spanish Fort. When closings get tight — and they do — the people fixing it know your file by name and pick up the phone, not exchanging tickets in a queue.
Meet a loan officer.
These are some of the licensed professionals you might work with. Every one of them has a desk in Spanish Fort, a direct phone line, and an NMLS ID you can look up before you call.
The first three minutes.
If you'd rather know what to expect before dialing, here's what the call sounds like. No pressure, no obligation, no script.
A person picks up.
During business hours, a licensed mortgage professional answers — not a queue, not an interactive menu. You'll know their name within ten seconds.
We look up your reference number.
If you have one from your letter, we pull up the publicly available information about your current mortgage. If you don't have one, we ask a few quick questions.
We compare honestly.
You see real numbers — rate, payment, total interest over time. We compare them to what you have now. No screenshots, no slideshows, just the math.
You decide.
If it makes sense, we move forward. If it doesn't, we tell you to stay put. We don't make money on the call — we make money on the loan, and we don't want to waste yours.
If we can't beat your current quote — or save you money over the life of the loan — we'll tell you to stay put.