1st Family in Athens, AL was our mortgage adviser. We are from south Huntsville and they were able to help us from Athens. They did their very best to save us time and money on our mortgage. We have now cut off years off our loan with no increase in cost per month and got a check back from them. We also were able to close in Huntsville near our home. I would definitely use 1st Family again if I am to refinance or buy a new house.