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Loan Options The Process About Jeff Reviews Get a Free Quote
★ USAF & Iraq War Veteran · NMLS #2734892

A Home Loan
Built Around
Your Future.

Jeff Walston is a veteran-turned-loan officer who brings military-grade integrity to every mortgage. With a background in business and finance, Jeff is here to help you build wealth and equity by making smart decisions today that set you up for tomorrow.

Get My Free Quote → Meet Jeff
⭐
5-Star RatedVerified client reviews
⚡
Same-Day ResponseUsually within 2 hours
🛡️
$0 Down VAFor eligible veterans
Jeff Walston
Jeff Walston
Senior Loan Officer · Valley Lending
★★★★★
★ USAF Veteran NMLS #2734892 Iraq War Veteran

Get Your Free Quote

No commitment · Most hear back within 2 hours

🏠 Purchase
🔄 Refinance
★ VA Loan

🔒 Your info is secure and never sold.

Today's Rates
30-Yr Fixed
5.50%
Fixed Rate
15-Yr Fixed
4.25%
Fixed Rate
VA Loan
5.25%
Fixed Rate
FHA Loan
5.375%
Fixed Rate
5/1 ARM
6.00%
APR 6.82%
*Rates subject to change due to market fluctuation. Contact Jeff for your personalized rate.
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5-Star Reviews
Across Google & Zillow
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Same-Day Pre-Qual
Fast, no-hassle approvals
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Veteran-Owned Service
USAF & Iraq War Veteran
🏠
15+ Loan Programs
A program for every buyer
Trusted & Licensed
🏛️
Equal HousingOpportunity Lender
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NMLS #2734892Licensed Loan Officer
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Company NMLS #2636235Valley Lending
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5-Star RatedGoogle & Zillow Reviews
🛡️
VA Approved$0 Down for Veterans
Jeff Walston
Jeff Walston
Senior Loan Officer
★★★★★
Specialty
VA & First-Time Buyer Loans
Service Area
Northeast Alabama & Beyond
Military Service
★ USAF · Iraq War Veteran
About Jeff

Your Mortgage.
His Mission.

After serving in the United States Air Force and completing a tour in Iraq, Jeff Walston returned home with something most loan officers don't have — a firsthand understanding of what it takes to work hard for every dollar and make smart decisions with it.

Jeff has been a real estate investor, a small business owner, and an Operations Manager overseeing eight-figure government contracts. That background means he brings discipline, attention to detail, and real accountability to every loan he closes.

When you work with Jeff, you're not just getting a loan — you're getting someone who will actually explain your options, answer every question, and make sure you close with confidence.

Loan Programs

The Right Loan for Every Situation

Jeff works with 15+ loan programs to match you with the best fit for your goals and budget.

POPULAR
★

VA Loan

For Veterans and active military. No down payment, no PMI — the most powerful home loan benefit you've earned.

$0 DOWN · NO PMI · COMPETITIVE RATE
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Conventional

Flexible terms for buyers with solid credit. As little as 3% down with no upfront mortgage insurance on 20%+ down.

FROM 3% DOWN · FLEXIBLE TERMS
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FHA Loan

Designed for first-time buyers and those rebuilding credit. More flexible standards with 3.5% down.

3.5% DOWN · FLEXIBLE CREDIT
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USDA Rural

100% financing for eligible rural properties in qualifying Alabama communities. Zero down payment required.

0% DOWN · RURAL AREAS
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Construction

Build your dream home with a single-close construction-to-permanent loan — one approval, one closing.

SINGLE CLOSE · NEW BUILDS
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Refinance

Lower your rate, reduce your payment, or access your home's equity. Jeff finds the strategy that works for you.

RATE & TERM · CASH-OUT
How It Works

Your Path to Homeownership

1

Start a Conversation

Fill out the quote form or call Jeff. He'll ask a few questions to understand your goals.

⏱ 10 Minutes
2

Get Pre-Qualified

Jeff reviews your info and gives you a clear picture of what you qualify for — same day in most cases.

⏱ Same Day
3

Choose & Apply

Jeff walks you through every option clearly. Once you choose, the application is quick and fully online.

⏱ 1–2 Days
4

Close & Move In

Jeff guides you through underwriting and to the closing table. Then — keys in hand, chapter two begins.

⏱ 21–30 Days
Client Reviews

What Clients Are Saying

Real feedback from real Alabama homeowners

Google ★
★★★★★

"Jeff made the entire process incredibly easy. He explained every step clearly, responded to every question quickly, and got us a better rate than we expected."

Sarah & Mark T.
First-time buyers · Huntsville, AL
✔ Verified Purchase
Zillow ★
★★★★★

"As a veteran, the VA loan process felt overwhelming until I found Jeff. He secured a $0 down loan we didn't think was possible at our income level."

David R.
VA Loan · Fort Payne, AL
✔ Verified Purchase
Google ★
★★★★★

"Jeff is honest, knowledgeable, and genuinely cares about his clients. He found a rate better than three other lenders we interviewed."

Jennifer M.
Conventional Loan · Guntersville, AL
✔ Verified Purchase
Common Questions

Questions? Jeff Has Answers.

Will getting pre-qualified hurt my credit score?
A pre-qualification typically involves a soft credit pull, which does not affect your score. A full pre-approval may involve a hard inquiry but the impact is minimal — usually only 2–5 points.
How long does the mortgage process take?
Most purchases close in 21–30 days from application. Pre-qualification can happen the same day you reach out. Jeff keeps things moving and communicates every step of the way.
Do I qualify for a VA loan?
VA loans are available to Veterans, active-duty service members, National Guard, Reservists, and surviving spouses. If you've served at least 90 days active duty (or 6 years in the Guard/Reserves), you likely qualify.
What credit score do I need to buy a home?
FHA loans can go as low as 580. Conventional loans typically require 620+. VA loans are flexible. Even if your credit isn't perfect, Jeff can often find a path forward or advise how to improve your score quickly.
Can I buy a home if I'm self-employed?
Yes. Self-employed borrowers are evaluated using 2 years of tax returns. Jeff works with multiple lenders and can find flexible programs for 1099 contractors and business owners.
How much do I need for a down payment?
VA and USDA loans offer $0 down. FHA requires 3.5%. Conventional starts at 3%. Jeff will walk you through all upfront costs including closing costs so there are no surprises.
🏡 Spring buying season is here — act before rates move

Ready to Make
Your Move?

Get a free, no-obligation quote today. Jeff will personally reach out within one business day — usually same day.

📞 Call (256) 833-9197 ✉ Email Jeff
💬 Text Jeff 📘 Facebook 📍 1010 County Road 57, AL
📞 Call Jeff Get Free Quote