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    Tom Kalagher

    @tomkalagher

    Branch Manager - Fairhope Mortgage

    Fairhope Mortgage LLC

    Mortgage Loan Officer

    Fairhope, AL
    6Articles

    About Tom

    I’m Tom Kalagher, the founder of Fairhope Mortgage. I have a deep passion for helping individuals and families achieve their homeownership dreams. Securing a home loan is the most significant financial decisions you’ll ever make. That’s why I prioritize personalized solutions and clear communication.

    Fairhope Mortgage LLC
    Branch Manager - Fairhope Mortgage
    Location
    Fairhope, AL
    Member since
    August 2026

    Tom's Articles

    Mortgage Insurance: When You Can Drop the Extra Cost

    Mortgage Insurance

    Mortgage Insurance: When You Can Drop the Extra Cost

    PMI, MIP, and USDA guarantee fees aren't the same, and neither are the rules for dropping them.

    Oct 9, 2026·9 min read·30
    Mortgage Insurance
    Private Mortgage
    Fairhope Mortgage Launches No-Income-Limit Down Payment

    Real Estate

    Fairhope Mortgage Launches No-Income-Limit Down Payment

    Fairhope Mortgage announces a new down payment assistance program for Alabama buyers with no income limits and up to 5% assistance on FHA and conventional…

    Sep 25, 2026·4 min read·230
    Real Estate
    mortgage
    How to Buy a Home With an FHA Loan Without Using Your Own Money for the Down Payment in Baldwin County, Alabama

    FHA Loans

    How to Buy a Home With an FHA Loan Without Using Your Own Money for the Down Payment in Baldwin County, Alabama

    Yes—many Baldwin County buyers can use FHA financing without supplying the 3.5% minimum required investment from their own bank account. A standard FHA loan still requires a minimum investment, but eligible gift funds, a family gift of equity, or approved down-payment assistance may cover it.

    Sep 14, 2026·9 min read·160
    FHA Loans
    Real Estate
    FHA 3.5% vs Conventional 3% Down: A Fairhope 1st Time Home Buyer Guide

    mortgage

    FHA 3.5% vs Conventional 3% Down: A Fairhope 1st Time Home Buyer Guide

    FHA needs 3.5% down but its insurance never ends below 10% down. Conventional 3% loans offer PMI you can cancel.

    Sep 3, 2026·7 min read·70
    mortgage
    Home Buying
    DSCR Loans in Alabama: Why Tax Returns Aren't the Story

    DSCR Loans

    DSCR Loans in Alabama: Why Tax Returns Aren't the Story

    Qualifying for an Alabama investment property shouldn't depend on your tax returns.

    Sep 2, 2026·11 min read·110
    DSCR Loans
    Real Estate
    A Deep Dive into DSCR Loans for Investment Properties

    Real Estate

    A Deep Dive into DSCR Loans for Investment Properties

    A Deep Dive into DSCR Loans for Investment Properties with Fairhope Mortgage Written by Tom Kalagher

    Aug 28, 2026·3 min read·80
    Real Estate
    Mortgage Loans

    Showing 6 of 6 articles

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