State Guides
What brokers and loan officers should know about closings and property rules in Alabama, and how Hancock Processing works your files there.
Alabama is a title state. Title companies, attorneys and banks all conduct closings, and attorney involvement in the closing itself is not legally required: the Alabama Supreme Court allows a title company to conduct a closing as long as it gives no legal advice.
No. Alabama is not a community property state, and dower and curtesy have been abolished. Alabama's homestead law says a married person's mortgage on the homestead isn't valid without the other spouse's voluntary signature and assent, shown by that spouse's acknowledgment before a notary or other authorized officer.
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Alabama
All of them. We process every loan type we offer in Alabama, including conventional, FHA, VA, USDA, jumbo, Non-QM and DSCR loans, from Huntsville and Birmingham to Montgomery and Mobile.
Yes. We process loans statewide in Alabama and coordinate with the title company or attorney handling each closing.
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