HNB First has a full service Mortgage Department ready to help make your dreams of homeownership a reality. We offer loans to Purchase or Refinance your home, Home Equity Loans, Construction Loans, and Lot Loans. We have a complete line of  mortgages to fit any need.The Mortgage Office is conveniently located at our 431 Branch, 18057 U.S. Highway 431 South in Headland. The mailing address is:  P.O. Box 157, Headland, AL 36345.

Mortgage Department Staff
Whatever your mortgage needs are, our staff is ready to assist you. Call and ask for Melody Gamble Hendrix, Mortgage Loan Officer or Anna Smith, Morgage Loan Asst. The number to call is 334-693-3352, 1-866-693-3352 Fax # 334-693-0793.

Please Note: HNB First is committed to ensure the safety of your financial information. We would like to remind you that e-mails are not secure. Confidential information such as Social Security Number, Account Numbers or Passwords should not be used when communicating via e-mail.

E-mail address: or

What You Will Need
To simplify the process, the following are some of the items that you will need when you apply for a mortgage loan:

  1. W2s for the past two years.
  2. Most current pay stub(s) for each borrower.
  3. Most recent two months’ bank statements on all checking, savings, 401k and investment accounts listed on our application.
  4. If self-employed or commissioned income:  Complete federal tax returns for the past two years, business and personal, to include W2s and most recent profit and loss statement.
  5. Refinance:  Copy of deed or survey.
  6. New Construction:  One complete set of plans and specs, copy of recorded warranty deed, cost estimate from builder.
  7. Appraisal Fee
  8. Legible copy of social security card and drivers license.

Additional information may be needed during the processing of your application.


Download a Mortgage Loan Application
To download a mortgage loan application click here.