Home Loans for All of your needs!

First Time Homebuyer Loans

Buying a house for the first time can be a daunting task if you don't have someone to help guide you through the process.

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Construction Loans

Local Flexible One Time Close Construction Loans

Need a Construction Loan to meet your needs? We can help!

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Land Loans Available

Purchase the home site of your dreams!

Want to purchase some land for your dream home? We got your covered.

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Nationwide Expertise with a Local Lender.

Welcome to Tim Byrne Mortgage Services – Your Trusted Mortgage Lender in Huntsville, Alabama

Whether you’re buying your first home, building your dream house, or refinancing, we’re here to guide you every step of the way. At Tim Byrne Mortgage Services, we specialize in a full range of loan options including VA Loans, FHA Loans, Construction Loans, Land Loans, Physician Loans, and 100% Financing Loans. As a dedicated mortgage lender serving Huntsville, Alabama, I am committed to helping you find the right mortgage loan to fit your unique needs and goals. I represent SouthState Bank Mortgage Company in Huntsville, AL as your local mortgage lender. As a loan originator, I have served Huntsville Alabama for 15+ years. Our bank offers fixed rates and adjustable rate mortgages.

Let me help you open the door to homeownership—start your journey with us today. If you need immediate help, please call or text 256-542-1517 or email me at tjbyrne@southstatebank.com

About Us

I am a Huntsville AL mortgage lender and Army Veteran. Finding a great home mortgage involves careful consideration of your specific needs and finances. I can help walk you through this process pain free.

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Loan Programs

Here at South State Bank, we have the right loan program for you. Whether you looking for Purchase, Refinance, Construction Loans or Physician Loans, we can do it!

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Mortgage Calculators

Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation..

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Refinancing Tips

There are many factors that go into refinancing your mortgage. For instance, can I save money on my mortgage payment? Is the cost of the refinance worth it? Can I pay off high interest credit cards to lower my monthly outflow of cash? I can help you with all of these questions and more. It takes less than an hour to go step by step why it makes sense.

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What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating

5.0

89 reviews

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Tim is the best lender I have ever worked with. He is thorough but fast and is always available to help. He has been very fast to respond to any quest ...

Tim is the best lender I have ever worked with. He is thorough but fast and is always available to help. He has been very fast to respond to any question or concern. Highly recommend!

1 week ago

Posted on Google

I was able to call and get some straight answers just over the phone! Very helpful! Thank you!

I was able to call and get some straight answers just over the phone! Very helpful! Thank you!

1 month ago

Posted on Google

Tim provided me with the best services! I highly recommend Tim's services. He always made himself available to answer any questions I had. Loved that ...

Tim provided me with the best services! I highly recommend Tim's services. He always made himself available to answer any questions I had. Loved that he was always transparent and truthful regarding the home owning mortgage process and requirements. Thank you Tim for your patience, great commutation and services.

Exquisite McAdoo

4 months ago

Posted on Google

I had an exceptional experience with Tim. From start to finish, the process was seamless and stress-free. He was incredibly knowledgeable and guided m ...

I had an exceptional experience with Tim. From start to finish, the process was seamless and stress-free. He was incredibly knowledgeable and guided me through every step, ensuring I understood all my options. His professionalism and dedication to customer service are truly commendable. I highly recommend Tim to anyone in need of a mortgage lender.

4 months ago

Posted on Google

Tim has been very good at keeping us updated on our loan status and making sure we have all required paperwork to continue to proceed with the process ...

Tim has been very good at keeping us updated on our loan status and making sure we have all required paperwork to continue to proceed with the process. He has also been very kind and friendly throughout the process. I would highly recommend him in the future to friends and family.

5 months ago

Posted on Google

Tim was very helpful in our home buying process. He was always available to answer and questions we had and was very thorough in explaining all our op ...

Tim was very helpful in our home buying process. He was always available to answer and questions we had and was very thorough in explaining all our options. We will be using Tim as our lender for all future homes.

6 months ago

Posted on Google

Tim was absolutely great! It didn't matter how many delays we ran into. We made it to the closing table, and he got the job done.

Tim was absolutely great! It didn't matter how many delays we ran into. We made it to the closing table, and he got the job done.

Sherry McFerrin

6 months ago

Posted on Google

Every step of the way , Tim assisted me and was super responsive to all questions no matter the day or time! Best experience ever for a first time hom ...

Every step of the way , Tim assisted me and was super responsive to all questions no matter the day or time! Best experience ever for a first time homebuyer!

Ericka Harville

8 months ago

Posted on Google

We just closed on our first investment property with Tim, and we couldn't be more grateful for his exceptional assistance. From the very beginning, Ti ...

We just closed on our first investment property with Tim, and we couldn't be more grateful for his exceptional assistance. From the very beginning, Tim was there for us, consistently responding with impressive speed and ensuring that every question we had was answered thoroughly and promptly. His attentiveness and efficiency transformed what could have been a daunting process into a smooth and seamless journey. Tim's professionalism and genuine dedication to helping us truly stood out. He made everything incredibly easy and stress-free, far exceeding all our expectations. We felt supported and well-informed every step of the way, which meant the world to us as first-time investors.

10 months ago

Posted on Google

I have purchased two condos and both times Tim was extremely helpful! He is very quick to respond, answer any questions, and overall made the process ...

I have purchased two condos and both times Tim was extremely helpful! He is very quick to respond, answer any questions, and overall made the process smooth and seamless. Tim was recommended to me and I would highly recommend him to anyone looking to purchase a home.

Matthew Rhoades

11 months ago

Posted on Google

Tim provided exceptional support. He was very fast and responsive to questions and made the entire process run smoothly! Tim took the stress out o ...

Tim provided exceptional support. He was very fast and responsive to questions and made the entire process run smoothly! Tim took the stress out of buying a new home with his great attitude and professionalism. Thank you Tim!

1 year ago

Posted on Google

Tim was so resourceful and helpful. I really didn’t think my client would close and he never stop working on the file. We closed on Friday!!! My first ...

Tim was so resourceful and helpful. I really didn’t think my client would close and he never stop working on the file. We closed on Friday!!! My first time home buyer was so excited and happy. Thank you Tim for your persistence.

Rosalind Skanes

1 year ago

Posted on Google

Tim was prompt, thorough, and very professional in dealing with my complex mortgage situation. Highly recommended!

Tim was prompt, thorough, and very professional in dealing with my complex mortgage situation. Highly recommended!

AG Optical Systems

1 year ago

Posted on Google

Really enjoyed working with Tim for our mortgage. He’s communicative, transparent and easy to work with! Highly recommend

Really enjoyed working with Tim for our mortgage. He’s communicative, transparent and easy to work with! Highly recommend

1 year ago

Posted on Google

We just closed on our 5th property with Tim. 4 investments and now a primary residence across 3 different states. We will never use anyone else. Tim i ...

We just closed on our 5th property with Tim. 4 investments and now a primary residence across 3 different states. We will never use anyone else. Tim is a joy to work with. He’s honest, light hearted, knowledgeable and has the best rates, no competition.

1 year ago

Posted on Google

Tim is the GOAT! He did an amazing job and he made it happen in record time. I couldn’t have asked for a better experience! Thank you Tim!

Tim is the GOAT! He did an amazing job and he made it happen in record time. I couldn’t have asked for a better experience! Thank you Tim!

Jessica Lockett

1 year ago

Posted on Google

I had an excellent experience with Tim. He was very responsive and made the often daunting mortgage process stress-free. I highly recommend Tim for an ...

I had an excellent experience with Tim. He was very responsive and made the often daunting mortgage process stress-free. I highly recommend Tim for anyone seeking a mortgage.

1 year ago

Posted on Google

Tim made buying a home a breeze. There were no hiccups or delays. He was quick to respond and very knowledgeable and informative along the way! Five ...

Tim made buying a home a breeze. There were no hiccups or delays. He was quick to respond and very knowledgeable and informative along the way! Five Stars

1 year ago

Posted on Google

I couldn't be more pleased with the service I received from Tim Byrne. He is professional, knowledgeable, and extremely helpful every step of the way. ...

I couldn't be more pleased with the service I received from Tim Byrne. He is professional, knowledgeable, and extremely helpful every step of the way. From the initial application process to the final approval, everything was seamless and stress-free. I felt like they truly cared about helping me find the right loan for my needs, and they went above and beyond to provide me with all the information I needed to make an informed decision. I would highly recommend Tim Byrne Mortgage Lender.

1 year ago

Posted on Google

Tim was wonderful to work with for our refinance. I had a horrible experience with another lender and switched to Tim after being referred to him by m ...

Tim was wonderful to work with for our refinance. I had a horrible experience with another lender and switched to Tim after being referred to him by my husband's coworker. Tim communicated with us through the whole process, gave us options and I was never left wondering what was happening with my loan. I am so thankful that we were able to close in such a short time working with him and would recommend him to anyone looking to buy or refinance. We will be using him again in the future, thank you Tim!

1 year ago

Posted on Google

Tim was helpful throughout the entire process and went above and beyond. He made the entire process less stressful.

Tim was helpful throughout the entire process and went above and beyond. He made the entire process less stressful.

1 year ago

Posted on Google

Mr Byrne dealt both professionally and kindly with a difficult purchase occasioned by long-standing overseas travel plans and a last-minute purchase o ...

Mr Byrne dealt both professionally and kindly with a difficult purchase occasioned by long-standing overseas travel plans and a last-minute purchase opportunity. Without his help, I'm not sure we could have closed.

Schuyler Richardson

2 years ago

Posted on Google

Tim was fantastic! Extremely responsive, he worked with us to get our loan into place quickly and efficiently.

Tim was fantastic! Extremely responsive, he worked with us to get our loan into place quickly and efficiently.

2 years ago

Posted on Google

Tim was extremely helpful in advising on the best loan options, first for a possible remodel of my old home, then on a mortgage for a new home purchas ...

Tim was extremely helpful in advising on the best loan options, first for a possible remodel of my old home, then on a mortgage for a new home purchase. I'd highly recommend him to anyone.

2 years ago

Posted on Google

Working with Tim on our construction loan was a life saver. Other banks made promises that they couldn’t keep and Tim delivered on every promise he ma ...

Working with Tim on our construction loan was a life saver. Other banks made promises that they couldn’t keep and Tim delivered on every promise he made. If you are thinking about building a home or any other type of loan Tim Byrne should be your first and last call.

2 years ago

Posted on Google

Tim's availability and communication was the reason we chose him for our home mortgage. I highly recommend Tim given his communication and drive to pr ...

Tim's availability and communication was the reason we chose him for our home mortgage. I highly recommend Tim given his communication and drive to provide excellent customer service as well as competitive mortgages.

2 years ago

Posted on Google

Tim Byrne at South State Bank was wonderful! Very friendly and easy to contact. Always available to answer all my questions and helped me through all ...

Tim Byrne at South State Bank was wonderful! Very friendly and easy to contact. Always available to answer all my questions and helped me through all the unexpected delays related to a new build. Closing went very smoothly. Everyone at South State Bank was very professional!

2 years ago

Posted on Google

Awesome communication & very friendly! Will definitely do business with again!

Awesome communication & very friendly! Will definitely do business with again!

Big Willie Rc’s & toys

2 years ago

Posted on Google

Working with Tim at South State Bank was a great experience. We applied for a construction loan to do work around our existing home for an addition an ...

Working with Tim at South State Bank was a great experience. We applied for a construction loan to do work around our existing home for an addition and remodel purposes. Time helped guide us through the process and make it as stress free as possible. Tim is highly knowledgeable in answering all of our concerns and questions about our construction loan. I would HIGHLY recommend Tim Byrne for any mortgage/construction loans anyone has in the future. Thanks Tim!!

2 years ago

Posted on Google

Tim Byrne is awesome! I had the pleasure of working with him twice. He was understanding & very attentive to whatever needs or questions I had through ...

Tim Byrne is awesome! I had the pleasure of working with him twice. He was understanding & very attentive to whatever needs or questions I had throughout the process. I highly recommend Tim & SouthState Bank for mortgage or construction loan services.

2 years ago

Posted on Google

Quick responses, patient with our questions and learning along the way. Open with where we were in the process and what we needed to ensure we were re ...

Quick responses, patient with our questions and learning along the way. Open with where we were in the process and what we needed to ensure we were ready to close. Will definitely recommend to friends and family in the future.

Bethany Campbell

2 years ago

Posted on Google

Tim is the ultimate professional, always courteous, knowledgeable, and thorough. He shepherded my loan through to a successful completion, and answere ...

Tim is the ultimate professional, always courteous, knowledgeable, and thorough. He shepherded my loan through to a successful completion, and answered all my questions promptly throughout the process. I would definitely recommend Tim to anyone looking for a successful mortgage lending experience!

3 years ago

Posted on Google

The best in the business. Tim will get you the lowest rate on the market. There is really only one option for mortgage loans and that is Tim Byrne!

The best in the business. Tim will get you the lowest rate on the market. There is really only one option for mortgage loans and that is Tim Byrne!

3 years ago

Posted on Google

Tim was an awesome mortgage lender. He always responded in a timely manner, with clarity and followed up as needed. I never had to chase him down. Tim ...

Tim was an awesome mortgage lender. He always responded in a timely manner, with clarity and followed up as needed. I never had to chase him down. Tim was very pleasant to work with. I highly recommend him.

3 years ago

Posted on Google

Show me the money!!! Tim did! Great job.

Show me the money!!! Tim did! Great job.

3 years ago

Posted on Google

Tim Byrne and his team have been extremely helpful throughout our construction loan application process. Tim has fielded all of our questions and help ...

Tim Byrne and his team have been extremely helpful throughout our construction loan application process. Tim has fielded all of our questions and helped us become more knowledgeable about construction loans and how they work through South State. We're thankful for Tim and his team in helping us get the ball rolling. We highly recommend Tim Bryne and South State Bank for any construction/mortgage loan needs.

3 years ago

Posted on Google

Tim is a professional! Quick and easy to deal with!

Tim is a professional! Quick and easy to deal with!

3 years ago

Posted on Google

Tim did a great job with helping me buy a new home. Super fast and easy with a great interest rate.

Tim did a great job with helping me buy a new home. Super fast and easy with a great interest rate.

3 years ago

Posted on Google

Tim at Southside was an absolute pleasure to work with. From the beginning of the process all the way until closing, Tim went above and beyond to ensu ...

Tim at Southside was an absolute pleasure to work with. From the beginning of the process all the way until closing, Tim went above and beyond to ensure that my wife and I were completely comfortable and satisfied. If you’ve ever bought a home before, you can understand how important feeling comfortable and trusting your lender can be. I would absolutely recommend Tim and Southside to anybody out there looking to purchase a home. Because of Tim and southside, my wife and I are the proud owners of our dream home. Thank you Tim!

3 years ago

Posted on Google

Tim did a great job ,fast and great communication . Highly recommend

Tim did a great job ,fast and great communication . Highly recommend

3 years ago

Posted on Google