Ready to Explore? Leave Your Info and We'll Reach Out.
Prefer to reach out directly? We'd love to hear from you.
Have Questions? We're Happy to Help. Reach out and we'll walk you through your options:
Call us: 251-923-6105
Email us: [email protected]
Or apply online:
Apply Now
About Robert
“25 years Mortgage Experience- Condo Lending Specialist”
Robert L. Sorrells serves as Branch Manager of Nations Lending in Gulf Shores/Orange Beach, AL. Since 1999, he has earned insightful experience in the mortgage lending industry and 15 years of commercial banking experience. During his banking tenure, he held the positions of Branch Manager, Senior Commercial Lender, and Regional Business Development Officer. Early in his career, he was successful in obtaining a $2.5M business relationship with the Montgomery County School System (Alabama).
Robert graduated from Auburn University with a degree in business. He has five years past experience as a self-employed retail business owner of three locations in Alabama.
He is actively engaged in the local community, serving as a board member of the Little Lagoon Preservation Society in Gulf Shores, AL. He has also formerly served as a United Way executive and as a member of his church finance committee.
Robert and his wife, Kay are active members of Gulf Shores Methodist Church. They have five children and eight grandchildren.
I love what I do because helping someone purchase a home is one of the biggest joys and decisions in their life!”
Why Nations Lending?
We exceed client expectations with superior knowledge of the loan process and will assess the best option for you. Honesty and integrity are foundational pieces of our business. We treat our clients like family, providing insight and advice often absent in the business of buying and selling homes.
Attention to detail
Rather than wanting to just get your business, we want to learn about our clients. Everything from understanding your needs, to what lifestyle suits you, to how you like to communicate is in our interest. This helps us create an attentive home-buying experience for you and your family.
Seamless process
With a team of the most experienced lenders in the market, there is no area that we cannot help you with. We will guide you and explain every step of the process from starting your application to closing your home loan. By the end of the journey, you will be the expert!
Loan Types
FHA loans are designed with the first-time home buyer in mind. It allows for little money down, lower closing costs, and an easy-to-meet credit score requirement.
It makes for the perfect type of loan to meet the needs of buyers from all walks of life.
FHA Loans Offer:
• Minimum down payment of only 3.5%
• Credit score as low as 500*
• Flexible debt-to-income ratios
• 100% of down payment and closing costs can be a gift
• Flexible reserve requirements
• Up to 6% seller contributions towards closing costs and pre-paid items
We Offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
• Streamline refinance
• 203(h) - Mortgage Insurance for Disaster Victims
FHA
We help everyone with their housing goals, including the all important First-time homebuyer. Highlights and benefits for these first-timers are riddled throughout our product array, and they include:
We offer:
• Low down payment options
• Eligible sources of funds include gift funds from eligible sources
• DPA assistance that may be available in your local markets
• Zero down payment options for VA and USDA buyers
• Reduced Mortgage Insurance requirements for certain programs
• FICO scores as low as 500 on certain products
1st Time Buyers
We are an approved Fannie Mae and Freddie Mac seller and offer the best fixed and adjustable-rate loans for your home buying needs. As long as you meet the minimum requirements with down payment and credit score, we can help you secure the home of your dreams today!
We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
Conventional
Our jumbo loans are a solution for borrowers who want to go big with the dream of primary homeownership, as well as securing a 2nd or vacation home.
This jumbo loan product also supports a lower-than-industry average required down payment -perfect for those buyers who want to keep more cash in the bank – with all the benefits exceeding those of a conforming loan.
We Offer:
• Purchase, no cash-out refinance and cash-out refinance
• All occupancy types
• Loans to $2M
• Jumbo AUS
• Non-Warrantable Condos
• No Mortgage Insurance
• First-time homebuyers permitted
• Blended ratios
Jumbo
VA home loans are offered to our country’s bravest men and women. No one knows the comfort of their home more than those who served and that’s why we’re proud to offer loans to our nation’s heroes.
Find the perfect place to kick off your boots with 100% financing available or explore interest rate reductions or cash out refinance options.
We Offer:
• Purchase loan
• Cash-out refinancing
• Interest Rate Reduction Refinance Loan (IRRRL)
VA
Get a home loan with up to 100% financing
Whether you are an experienced or a first-time homebuyer, you may be able to qualify for a USDA home loan with no money down! These government backed loans are perfect for families and individuals interested in purchasing homes in rural communities. Ask your personal mortgage advisor if this is the right loan for you!
We Offer:
• Purchase
• No cash-out refinance
• Streamline Refinance
• Simple Refinance
USDA
We’re approved for Warrantable Condo loans with Fannie Mae and Freddie Mac, and we also provide financing for Non-Warrantable complexes and condotels.
Loan Options:
Purchase
Refinance
Cash-Out Refinance
Loan Options:
Purchase
Refinance
Cash-Out Refinance
Condos
General Market Overview
The above are examples of average national interest rates by Optimal Blue. These represent interest rates, not the Annual Percentage Rate (APR). Note that this is for informational use only and is not an offer to lend.
Above are some market indices displaying average interest rates, not the Annual Percentage Rate (APR). These are intended to serve as general examples and should not be interpreted as an offer to lend. These do not indicate or represent Nations Lending’s rates and should not be interpreted as such. All rates and loan information are provided by Optimal Blue. For current rates and to learn about loan options, please reach out to a Personal Mortgage Advisor.
BRANCH NMLS. 2665179 | 309 E. 21st Ave. Suite D Gulf Shores, AL 36542 | 251-923-6105
Terms of Use | Privacy Policy | State Disclosure Requirements | Texas Borrowers
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
