http://www.CahabaMortgageGroup.com/

Cahaba Mortgage Group, 1024 Edenton Street, Birmingham, AL (2026)

09/22/2026

🏡 MORTGAGE MYTH: Renting is always cheaper than owning.

It sounds simple: compare your monthly rent to a potential mortgage payment and choose whichever number is lower.

But that's not the whole picture.

The true cost of renting vs. owning depends on your individual situation. When you're comparing the two, consider things like:

💰 Your current rent and potential rent increases
🏡 The total monthly housing payment as a homeowner
🛡️ Property taxes and homeowners insurance
🔧 Maintenance and repairs
🌳 HOA fees, if applicable
📅 How long you plan to live in the home
📊 Your savings and overall financial goals

Homeownership also allows you to build equity as you pay down your loan, while renting can offer flexibility and fewer responsibilities for maintenance and repairs.

Neither option is automatically better for everyone.

The better question isn't simply, "Is renting cheaper?"

It's "Which option makes the most sense for my finances, lifestyle, and future plans?"

At Cahaba Mortgage Group, we're here to help you understand the mortgage side of that equation.

Because we're not just lenders. We're your neighbors. 🏡💙

09/20/2026

🎬🏡 Birmingham is ready for its close-up!

If you’ve seen The Rivals of Amziah King, starring Matthew McConaughey and Kurt Russell, some of the scenery might look a little familiar.

That’s because the movie was filmed right here in Alabama, with much of the production taking place throughout the Birmingham metro area! 🎥

And seeing Birmingham on the big screen got us thinking...

If Birmingham is good enough for Hollywood, maybe it’s time to make it your home too. 😉

Before you start your own house-hunting adventure, getting pre-approved can help you understand your buying power, explore your financing options, and be prepared when the right home makes its big debut. 🏡🎬

Ready to start casting for your next home?

Talk to the team at Cahaba Mortgage Group and let’s see what your homebuying story could look like.

Because we're not just lenders. We're your neighbors. 💙

09/18/2026

🏡 Think an older home automatically means FHA financing is off the table? Think again!

In this video, Clay Collins talks about a common misconception surrounding FHA loans and older homes.

FHA financing does include an appraisal that looks at both the property's value and whether it meets certain FHA minimum property requirements. But simply being an older home doesn't automatically mean it can't work with FHA financing.

In fact, we've recently seen an older home successfully make it through the FHA appraisal process. 🙌

The key is the property's condition, not simply the year it was built.

So if you've fallen in love with an older Birmingham home with hardwood floors, historic charm, and plenty of character, don't immediately assume FHA financing isn't an option. 🏡

Every home and every loan is different, so talk with Clay before ruling anything out.

📞 Call or text Clay Collins at (205) 563-3054 to discuss your options.

Because we're not just lenders. We're your neighbors. 💙

09/15/2026

🏡 Your mortgage shouldn’t feel like a call center.

Buying a home is a big deal. When you have a question about your financing, you shouldn’t feel like you’re calling a 1-800 number and hoping you reach someone who knows your situation.

At Cahaba Mortgage Group, we believe there’s a better way.

We’re a local team made up of real people who understand that every borrower, every home, and every situation can be different.

That means:

📞 People you can actually call when you have a question
💬 Clear communication throughout the process
🏡 A team that takes the time to understand your situation
📍 Local knowledge and relationships
🤝 Guidance from pre-approval through closing

A mortgage can involve a lot of paperwork and plenty of moving pieces, but you should never feel like just another loan number.

That’s what we mean when we say Neighbors Serving Neighbors.

Because we're not just lenders. We're your neighbors. 🏡💙

09/13/2026

☕️ Saturday Local Spotlight: June Coffee !

Birmingham coffee lovers, we've got your Saturday morning plans covered!

This week, Cahaba Mortgage Group is highlighting June Coffee, a local specialty coffee roaster and café in downtown Birmingham.

June started roasting coffee in 2018, but founder Jimmy Truong's passion for coffee began years earlier as he traveled, learned about sourcing and roasting, and worked to perfect his craft. After building a loyal following, June opened its Birmingham café in 2022.

Today, you'll find carefully sourced coffees, thoughtfully roasted beans, espresso drinks, and a team that's serious about making a great cup of coffee. ☕️

But our favorite part of their story might be how they describe the café itself: a love letter to Birmingham. 💙

That's a message we can definitely get behind.

📍 213 25th St N, Suite C
Downtown Birmingham

If you haven't tried June Coffee yet, consider this your sign to make a Saturday coffee run!

At Cahaba Mortgage Group, we love celebrating the local businesses and people who make Birmingham such a great place to call home.

Because we're not just lenders. We're your neighbors. 🏡💙

09/11/2026

🏡 Thinking about relocating to Alabama? Start with a plan.

Whether you're moving for a new job, to be closer to family, looking for a lower cost of living, or simply ready for a change, relocating to a new state comes with a LOT of decisions.

In this video, Jonah Polhemus explains why one of your first steps should be getting pre-approved for your mortgage.

Before you start scrolling through Alabama homes and falling in love with the perfect backyard or front porch, a pre-approval can help you:

💰 Understand your potential buying power
🏡 Establish a realistic home search
📊 Explore financing options
📝 Be better prepared when you're ready to make an offer
🤝 Give your REALTOR® a clearer starting point

You don't have to wait until you've packed the moving truck to start planning.

If Alabama is calling you home, Jonah is ready to help you take that first step.

📞 Call or text Jonah Polhemus at (205) 864-7969.

Welcome to Alabama. We think you're going to like it here. ❤️🏡

Because we're not just lenders. We're your neighbors.

09/09/2026

❓🏡 FAQ Tuesday: What exactly does a mortgage underwriter do?

You've submitted your application, sent in your documents, found the house... and now your loan is "in underwriting."

But what does that actually mean?

Think of the underwriter as the person who reviews the details of your loan to make sure everything meets the applicable lending guidelines before final approval.

They may review things like:

💵 Your income and employment
💳 Your credit and existing debts
🏦 Your assets and available funds
🏡 The property and appraisal
📄 Documentation related to your loan

And if an underwriter asks for additional documentation, don't panic! A request for more information doesn't necessarily mean something is wrong. They may simply need clarification or additional documentation before moving forward.

At Cahaba Mortgage Group, our team helps guide you through the process, explains what is being requested, and works with you to keep things moving toward the words everyone wants to hear:

🎉 CLEAR TO CLOSE!

Because we're not just lenders. We're your neighbors. 🏡💙

09/06/2026

🌳🥾 Saturday Local Spotlight: Ruffner Mountain !

Did you know you can explore more than 1,000 acres of forest and over 11 miles of hiking trails without leaving Birmingham?

This week's Saturday Local Spotlight takes us to Ruffner Mountain, one of the outdoor treasures we're lucky to have right here in our community.

What was once a mining landscape is now a beautiful urban nature preserve filled with oak, hickory, and pine forests. Spend a Saturday exploring and you can find:

🥾 More than 11 miles of hiking trails
🌄 Scenic overlooks and incredible views
⛏️ Remnants of Birmingham's mining history
🐦 Native wildlife and more than 150 documented bird species
🌸 Pollinator gardens
🦉 A Nature Center featuring Alabama Wildlife Ambassadors
🐕 Dog-friendly trails for leashed pups

Ruffner Mountain's story is pretty special, too. A grassroots community effort began protecting the mountain in 1977, helping preserve the land that Birmingham residents still get to enjoy today.

It's places like Ruffner Mountain that remind us there's a lot to love about calling Birmingham home. 💙

Looking for something to do this Saturday? Grab your hiking shoes, bring some water, and go explore!

Because we're not just lenders. We're your neighbors. 🏡💙

09/04/2026

🇺🇸🏡 Happy Labor Day Weekend from Clay Collins and Cahaba Mortgage Group!

For many people, Labor Day weekend means firing up the grill, watching some football, heading to the lake, or simply enjoying a well-earned day off.

For Clay Collins, it also means keeping his phone nearby. 📱😂

The housing market doesn't always take a holiday. If you're touring homes this weekend, considering making an offer, or suddenly have a mortgage question, Clay is still working and ready to help.

Questions about pre-approval? Give him a call.

Found THE house and need to talk financing? Give him a call.

Just wondering what your options might look like? You guessed it... give him a call!

Enjoy the long weekend, and know that if you need mortgage help, Clay is only a phone call or text away.

📞 Clay Collins | (205) 563-3054

Happy Labor Day Weekend! 🇺🇸

Because we're not just lenders. We're your neighbors. 🏡💙

09/02/2026

⭐️⭐️⭐️⭐️⭐️ A smooth mortgage experience starts with the right team.

We’re grateful to Ella Grayson for sharing her experience working with Mark Achuff and the Cahaba Mortgage Group team:

"Mark and his team made the entire process of securing a home loan incredibly smooth. They were knowledgeable, responsive, and worked diligently to find the best mortgage for my financial situation. I highly recommend them for anyone seeking expert guidance through the home-buying process."
— Ella Grayson

This is exactly what Neighbors Serving Neighbors means to us.

Buying a home is a big decision, and you deserve a mortgage team that takes the time to understand your situation, explain your options, answer your questions, and keep things moving toward closing day.

Whether you’re buying your first home, your forever home, or exploring your next move, Mark and the team are ready to help.

📞 Call or text Mark Achuff at (205) 874-2135.

Because we’re not just lenders. We’re your neighbors. 🏡💙

Cahaba Mortgage Group

09/22/2026

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