Business Details
About
BankATMCredit CardsBusiness Banking ServiceMortgage RefinanceCommercial Mortgage LenderConstruction LoansHome Loan ProviderEquity LoansFinancial PlanningFirst Horizon Bank
Welcome to First Horizon Bank - located in Birmingham. Since 1864, we’ve been a bank you can count on. Our financial foundation is so steady you can build a house on it. Mortgage loan included. Our commitment to you has won some pretty big awards. Like Forbes World’s Best Banks. Stop by today and tap into local decision-makers who actually get where you’re coming from. And a go-to banker who is always just a call away.
Details
- Requires appointmentNot available
- Drive-throughAvailable
- Onsite servicesAvailable
- Free parking lotAvailable
Location
First Horizon Bank - Birmingham, AL - Woodcrest Pl
2340 Woodcrest Place, Birmingham, AL
35209, United States
Hours
Reviews
4.8
22 reviews
5 stars
21
4 stars0
3 stars0
2 stars0
1 star
1
- KFKayla FaughtApr 30, 20245.0Mrs. Kori is truly the best loan officer that I could've asked for. She made this process so smooth from start to finish, and even came to my closing to make sure everything was correct and to celebrate with me. As a first time home buyer, I had countless questions and worries about the process. Mrs. Kori answered all of my questions and explained everything in a way that I could easily understand. She worked hard to make sure that I locked in the best rate, and was in the best program that would work well with my lifestyle and income. I truly cannot say enough good things about her. She is a gem in the real estate and mortgage world, and I am counting my lucky stars that I had the opportunity to work with her. I'm so thankful for her!
- JNJimmy NguyenJan 23, 20245.0Kori is just the best loan officer! She is knowledgeable and is very easy to work with! Closed sooner than 30 days! Overall the best experience applying for a mortgage. Thank you Kori!
- VVVictoria VinziantNov 14, 20235.0Everything About This Process Was Great. Each Step Was Carefully Explained & I Was Always Able To Reach Out If I Had Questions.
- LHLisle HitesMar 1, 20185.0Debbie and Natallia, outstanding customer service and incredibly knowledgeable (and I do throw some pretty good problems at them). I find myself looking forward to banking. You guys are the best!
Frequently Asked Questions About First Horizon Bank - Birmingham, AL - Woodcrest Pl
What do I need to open a personal checking account?
$50 minimum opening deposit
Social Security number
Date of birth
Personal identification such as a driver’s license, passport, state or government-issued ID
Can I open a personal checking account online?
Yes. Alternatively, you can visit one of our banking centers to apply in person.
Is there a limit on the number of transactions I can make with a personal checking account?
No, there is no limit on the number of transactions.
What are the first steps in the home buying process?
The first steps include assessing your financial situation, getting pre-qualified for a mortgage, and determining your budget. It's also important to start researching neighborhoods and listing your home preferences. First Horizon's mortgage specialists can guide you through these initial steps.
How long does it take to buy a home?
The home buying process typically takes between 30 to 60 days from making an offer to closing. This timeline can vary based on factors such as market conditions, the efficiency of your lender, and the specifics of the transaction.
What is mortgage prequalification and why is it important?
Mortgage prequalification involves a lender reviewing your financial information to determine your loan eligibility and providing a prequalified letter. This letter strengthens your offer on a home by showing sellers you are a serious and qualified buyer.
What types of mortgage loans are available through First Horizon?
First Horizon offers a variety of mortgage loans, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans. Each type has different benefits to suit diverse financial needs.
Can First Horizon help with financing for first-time homebuyers?
Yes, First Horizon offers several programs designed to assist first-time homebuyers, including FHA loans and other options with lower down payment requirements. Our mortgage specialists can help you explore these programs and find the best fit for your needs.
How do I know if mortgage loan refinancing is right for me?
Refinancing may be beneficial if current interest rates are lower than your existing rate, if you want to switch from an adjustable-rate mortgage to a fixed-rate mortgage, or if you need to tap into your home’s equity. Our mortgage specialists can help you evaluate your situation.
What types of small business loans do you offer?
There are many different types of small business loans available, including small business term loans, lines of credit and real estate loans. Talk to a banker today to review your options.
What are the qualifications for a small business loan?
The loan requirements for a small business loan will vary, depending on the loan type and other factors. Here are some things to consider when applying:
Business Plan: Craft a thorough business plan outlining your goals, market analysis, financial projections, and how the loan will be utilized. A well-prepared plan demonstrates your business's viability.
Loan Purpose: Clearly articulate the purpose of the loan and how it will benefit your business. Whether it's for expansion, equipment purchase, working capital or other needs, provide specific details to support your application.
Collateral: Some loans require collateral. If your loan requires collateral, be prepared to offer assets such as real estate, equipment or inventory.
Credit History: Your personal and business credit scores play a significant role. Aim for good scores to enhance your eligibility.
Cash Flow: Lenders assess your business's cash flow to determine your ability to repay the loan. Positive cash flow and consistent revenue are essential indicators of financial stability.
Industry Experience: Your industry expertise and a track record of success can help strengthen your application.
Debt-to-Income Ratio: Lenders evaluate your debt-to-income ratio to gauge your ability to manage additional debt payments. Maintaining a healthy ratio improves your chances of loan approval.
Legal Compliance: Ensure your business complies with all legal and regulatory requirements, including licenses, permits and registrations.
Relationship with Lender: Building a positive relationship with your lender can be advantageous. Regular communication and responsible financial management can help expedite the process.
How long does it take to get a small business loan?
As soon as you recognize the need for funds and can gather the necessary documentation, contact your banker to get the process started. The length of the loan application process is dependent on the complexity of the loan.
What are the drive-through banking hours at First Horizon Bank - Birmingham, AL - Woodcrest Pl?
The drive-through banking hours are Monday through Friday from 8:30 AM to 5:00 PM, and it is closed on weekends.
What identification and documents do I need to open a personal checking account?
You need a $50 minimum opening deposit, Social Security number, date of birth, and a personal ID such as a driver’s license, passport, or government-issued ID.
Can I open a personal checking account online at First Horizon Bank?
Yes, you can open a personal checking account online or visit a banking center to apply in person.
What types of mortgage loans does First Horizon Bank offer?
They offer fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans to suit various financial needs.
Does First Horizon Bank provide programs for first-time homebuyers?
Yes, they offer several programs for first-time homebuyers, including FHA loans and options with lower down payments, with guidance from mortgage specialists.
What small business loan options are available through First Horizon Bank?
They provide various small business loans such as term loans, lines of credit, and real estate loans. You can talk to a banker to explore options.
What nearby businesses can be found around First Horizon Bank - Birmingham, AL - Woodcrest Pl?
Nearby businesses include Clear Choice Roofing (building supply), DigitalTreehouse (digital marketing), The Keating Firm LTD. (legal services), and Edward Jones - Financial Advisor: Coty J Schneider (financial services).
Are there any nearby dining options close to First Horizon Bank - Birmingham?
Yes, nearby dining includes Ruth’s Chris Steak House and several Birmingham Restaurants offering American cuisine and fast food.
Which nearby banks or financial institutions can be found near First Horizon Bank's Woodcrest location?
Nearby financial institutions include IBERIABANK, Synovus Bank, ServisFirst Bank, and multiple mortgage brokers like Adam Mitchell and Brad Smith.
Does First Horizon Bank offer ATM services and are there ATMs available nearby?
Yes, First Horizon Bank offers ATM services including 24/7 ATM availability onsite, and there is also a Truist ATM and ServisFirst Bank ATMs nearby.