Dorothy Reid, Your Mortgage Specialist

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Conforming rates based on loan amount of $150,000+ and credit score of 740+, 30 day lock


30 YR. FIXED @ 6.990%

15 YR. FIXED @ 6.25%

FHA 30 Yr. Fixed @ 6.125%

USDA 30 Yr. Fixed @ 6.125%

VA 30 Yr. Fixed @ 6.125%





Dorothy Reid is committed to helping you find the right mortgage product for your needs. I understand that every borrower is different, and I offer a variety of products to meet your individual requirements. I make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

A few of Dorothy Reid's articles from the Birmingham Business Journal can be found at


Dorothy, We can't thank you enough for helping us through this buying process and all we've been through this week!  We are grateful you are on top of every little detail each step of the way.  Thank you for the gift too!  It is perfect for when we have friends over this fall in our home.  We hope it is a long time before we go through this process again, but we know who to reach out to when it's time to buy and sell again.  Thank you!  Taylor & Tyler

Dorothy, thanks for your help.  We just closed and picked up the keys.  We appreciate everything you do tomake our closing easy.  Rolando & Brenda

We received the letter and gift card you sent.  Thank you so much!  You were great in helping us purchase our first home.  Alex

Dear Dorothy, we are fortunate to have you again to help us to finalize the loan.  It's incredible you are able to have everything done in a short time and in our favor.  We really appreciate all your help and consideration and timely handling of our case.  We'd like to take the opportunity to wish you a Merry Christmas and Happy New Yea!  With deep gratitude, Yongming & Fuling

We just got back from the closing; everything went smooth.  The house is ours.  Thank you very much for your help.  It was a pleasure doing business with you.  Thank you again, Natasha.

Hey Dorothy, I just wanted to say thank you for everything.  We are getting a lot of renovations done and things are moving quickly with it so I hadn't had a chance to say thank you!  Kevin

 Dorothy, feel free to use as needed.  I also posted to Angie's List.  Thanks for all your help.  "Dorothy Reid was FANTASTIC!  We were scheduled to close on a loan with another lender.  Due to their issues, we did not proceed with them.  After a recommendation from our Realtor, I contacted Dorothy.  She was great, forthcoming, knowledgeable and responsive!  The ball began rolling quickly; she was prompt in her communication, friendly and very helpful.  Night and day from the previous company we had worked with.  This is how the mortgage process should be!  After only 10 days from my initial call to Dorothy, we closed with no problem.  Can't get much better than that!  I would definitely use her again.  Dustin 

 Dorothy, Thank you again very much for your help and for fielding all of my weekend calls and e-mails and always being so quick to respond.  Misti and I know that you and Rick went out of your way to make this happen so quickly for us and we are both very appreciative. 

 Dear Dorothy, thank you so much for all of your hard work in helping us buy our first house!  You made everything so easy and for that we are definitely grateful.  We are now settled into the house and, after a successful closing, are officially home owners!  Thanks, for making it possible.  Sincerely, Kelly & Tyler 

 Dorothy, I just wanted you to know that it sure is nice knowing that the loans I have with you will close.  I can't tell you the frustrations going on right now with one of my buyers that got pre-approved 2 months ago and now she is on her third mortgage company.  These loan officers that lie through their teeth!!!!!! Oh, well I wish they had used you.  Carol B., Realtor

Ms. Reid, Thank you so much for all of your help and for making our first experience with purchasing a home so easy & head-ache free!  We really appreciate all your hard work, time & patience. Kara & Matt

Dear Dorothy, Thank you for your gift.  Richard and I put in on the counter so that we can see it every day!  We really like it.  And, we appreciate your hard work.  We will intorduce you to my friends, actually we already did.  Have a nice day!  Richard & Sunny

 Dorothy, Just wanted to let you know, I appreciated all your help with everything.  You are excellent at your profession.  I wish there were more people in the world like you.  I will recommend you at every opportunity.  Thanks again, Pat

Dear Dorothy, thank you for such a smooth transaction.  You're at tje top!  Yours in health, Lauren

Dorothy, We can't even begin to thank you for everything you did for us to help us get our mortgage.  We hope to send you many referrals for not only being easy to work with and helpful but for also being a person of character and someone who stands by their word.  Your service and rates are far superior to anyone else out there and with both of us being bankers, we know what is out there.  Thank you again for everything.  Alison & George

 Dear Dorothy, I recently re-read the Birmingham Business Journals' "The List" and saw that your company was ranked #8.  Congratulations! Sincerely, Lane

 Ms. Dorothy Reid, Thank you so much for the beautiful basket!  I appreciate your helping me in getting my first home.  Sincerely, Naomi

Dear Dorothy, Just a quick note to thank you for the lovely packet of books that you gave me at closing on Friday.  What a wonderful surprise that was and I was very touched by your kindness and generosity.  I love books and all the titles on these look very interesting.  I am looking forward to getting settle into the condo so I am spend some time sitting out in the garden with coffee on weekend mornings going through these books.  I will think of you each time I pick one of these up.  Thank you again for helping make all this possible for me.  You & Will are an unbeatable duo & I appreciate all that you both have done for me.  I hope you'll come see the place when I get all settled.  Many thanks, Edd

Dorothy, Thanks for your work with the Habigs.  A great job, as usual.  Thad

Thank you so much for your assistance during our refinancing.  This is the third time that you have helped us with closing and every time it has been a breeze.  You really know your "stuff."  I will continue to refer anyone I know that is looking to buy or refinance to you.  You and your staff have always been very polite and professional.  Thanks again, Debra & Dwight

Dear Dorothy, Thank you for assisting in the purchase of my home.  Best wishes in the future.  Mary Anna

 Hi Dorothy, Just wanted to let you know that the movers arrived yesterday and we are in.  Kelly and I want to thank you for being timely with your estimates, your hard work and efforts to get us through the transition as seamless as possible.  It was a pleasure.  Thanks, T Todd

 Dorothy, I just wanted to drop you a line thanking you and your team.  The closing went very well yesterday and Donna's attendance was greatly appreciated.  Overall the experience was a pleasant one, resulting in a beautiful home.  Ellen and I would be proud to recommend your services to anyone.  Thanks again, Jason & Ellen

Dorothy, Thank you so very much for helping me purchase my first home!  You made the mortgage process so simple & affordable for me.  I truly appreciate how quickly & smoothly everything went.  Thanks again! Sincerely, Kelly

Dear Dorothy, Happy Thanksgiving!  Thanks for all your hard work on my loan.  It was an answer to a prayer.  Sincerely, Jackie

 Hello Ms. Dorothy, I am extremely sorry for not being in touch with you for a whole month after my home purchase.  Unfortunately for me, I moved into the new home the previous day of Hurricane Katrina and after that things were so messed up here at work, home and in general that I forgot to get back with you and thank you for all the help that you extended.  I am extremely thankful to you for your excellent service, prompt and patient answers to my million questions and to ensure that I had got everything right til the end of this confusing process.  I will definitely recommend you to all of my friends here in Mobile who plan to jump into this process soon.  Regards, Srinath

Dear Dorothy, Thank you so much for all of your hard work getting us a home loan.  Your dedication & sincerity really showed.  When we are able to refinance, we will certainly be giving you a call! Thank you! Melissa

 Dear Dorothy, Tom & I would like to thank you so very much for all of your help in the purchase of our new home as well as your kind effort in trying to help is with the purchaser of our condo.  We thank you and your staff for all of your hard work and professionalism.  It makes the sometimes hectic and nerve-wracking process of purchasing a new home much easier when you're working with such a great company as Mortgage Specialists.  Once again, thank you for your thoughtfulness and your hard work and dedication.  Please keep in touch.  All the best - Mandy

Dorothy, Trey and I just wanted to thank you for thinking of us on our wedding day.  We appreciate all your help in getting us a new home.  We're finally getting settled & love the house!  Love, Bridget

 Hi Dorothy, Thank you for all your help for obtaining a mortgage for our first home.  Have a wonderful Christmas and Happy New Year! Zhongkai & Wendy

Dorothy, You have been more than wonderful to me though out my move and I really appreciate you making signing my life away enjoyable!  Thanks again, Tom

 Dorothy, Thanks for all your help - once again.  I think this is the fourth time you have helped my family and each time you have gone above and beyond to make the process go seamlessly.  We appreciate all you have done.  I'm sure you have lots of customers and friends that feel the same way. Craig

Dorothy, Thanks for all you do to make my job so much easier!  And for all the extra attention you've given to clients I've sent your way - a special thanks! Sherry

Hi Dorothy, I just wanted to thank you for making our closing go so smoothly!  Your good communication and quick responses have been very much appreciated during the last few weeks.  This move has been a pretty stressful time for Ashley and I, but working with you for this new mortgage couldn't have been easier.  Thanks again and take care, Jason

Dear Dorothy, I just wanted to thank you again for handling my financing for my purchase.  I appreciate the efficiency and professionalism that I encountered on every deal we have with you.  Rhonda

Congratulations on being listed in the Top 40 Women's Businesses in Birmingham! Martha

You hit a homerun on your estimate of closing costs.  Thank you so much for your professionalism with the paperwork.  I was quite impressed.  Dottie

 Dear Dorothy, We cannot thank you enough for all your help in financing our new home.  Because of all your efficient, behind-the-scenes work, the closing went perfectly.  We will gladly recommend your services to others and look forward to working with you again! With the highest regard, Paula & Brian

Dorothy, Thank you for all you did for us.  You are truly an angel.  Your guidance is more than appreciated.  We will be indebted to you.  Thank you for making this work and fo you going the extra mile.  Your friend, Pam

 Dorothy, Congratulations on being named one of the Top 40 Women-Owned Businesses in Birmingham.  I'm inspired! Best wishes, Debra

Dorothy, Congrats on the awesome achievement.  That is really neat to be one of the top in the nation.  Joe

Dear Dorothy, Thank you so much for all your hard work on Anne's closing last week.  You and your associates are always a pleasure to work with!  Your attention to detail and dedication to your clients does not go u noticed.  Thanks for all you do! Jenna

 Dear Dorothy, Thank you for all your help in getting our house.  Happy Holidays.  Thanks again, Susan & Ralph

Dorothy, Thank you for all your hard work getting us our home loan.  We are loving our house and appreciate all your hard work.  Thanks, Gretta & Shane

 Dorothy, Just wanted to thank you for your service and style in handling my loans last week.  Having been "in the business" briefly I do appreciate all the little things you did to make the process smooth and seamless.  Costs as advertised, paperwork ready to go, know the stuff and very competitive pricing.  I also know you made the least money of the three pros in the room and yet you were the one that offered the first housewarming gift which I and particularly my wife appreciated very much, thank you.  Just shows me you know how to make it happened, and I will be happy to recommend you to those I know and meet here in Birmingham.  Best regards, Forest

Dear Dorothy, Dile & I appreciate your professionalism in making our loan process go so smoothly.  Thanks again, Dile & Louise

Dear Ms. Reid, Thank you for all of your help with our mortgage.  We really appreciated your swift response to our request.  We never dreamed that seven days after our initial contact with you we would be closing on our new home.  Thank you and your staff for all of your hard work.  We look forward to working with you again & we will definitely highly recommend you.  Sincerely, Kevin & Amy

Dear Dorothy, I want to thank you for all your help in my mortgage for my garden home.  You made a scary process much easier.  Also, it moved so quickly at a time when I was in turmoil.  I also want to thank you for being at the closing.  That was a first for me and gave me much security.  I appreciate your help during a really confusing time for me.  But I will get through all this because of professional people like you.  I will tell others about you!  Thank you again! Diane

 Dorothy, Thanks for the note and for the great always.  Wish our next 2 purchases were planned for Alabama, we'd definitely use you and your company.  Thought about getting licensed in Arizona?, Bob

Ms. Reid, A big "Thank You" for your prompt and efficient processing of my recent loan application.  Everything went beautiful.  The reduction in interest rate and a copy of the appraisal report were unexpected and a pleasant surprise.  Please feel free to use me as a recommendation source if you need to. Cavin

 Hi Dorothy, thank you so much for the adorable fish salt and pepper shakers.  You could not have chosen a more appropriate gift for our lake house.  I will display them prominently in the house.  I sincerely appreciate your thoughtfulness and thank you for your assistance with out loan.  I will definitely keep you in mind should we or any others need mortgage services.  Thanks again, so very much, Julie

Dorothy, We just wanted to thank you for all of your hard work.  We really appreciate it.  Thank you! Melissa & Michael

Dear Dorothy, thank you for helping us with the financing of our house.  You were AWESOME!  You worked so quickly to get everything going and your advice on the different types of loans was priceless!!  Thank you for helping us get "our dream house"!!  Thanks again for being so thoughtful.  Dale & Angela

Dorothy, Thank you again for everything you did to help me close the two houses for Drew & Katie.  I look forward to working with you many times in the future.  Love, Michelle

 Thanks Dorothy!  That was the most painless procedure ever! Thanks, Lisa

Dorothy, It was a pleasure working with you and we will definitely contact you with our future financial needs.  Sincerely, Tim, Ali & Morgan

Dorothy, Just wanted to say thank you for your help & for your patience with me as I looked for a house.  If I hear of anyone else looking to buy or refinance, I'll send them your way! Thanks, Kevin

Dorothy, Congratulations on owning one of the largest woman owned businesses in Birmingham!  You have certainly worked hard & deserve the accolades.  I hope this year is even better.  Sincerely, Sherry

Dorothy, I would like to thank you for all of your help in the process of buying my house.  You made it a pleasant and enjoyable experience.  Sincerely, Michelle

Dorothy, I wanted to thank you in a small way for entrusting your closings to me.  You do a great job and it is a pleasure working with you.  Thanks, Alan

 Dorothy, Troy and I wanted to thank you for all your help in getting our house.  I know that it wouldn't have been possible without you!  We really appreciate all y our hard work.  We've told all our friends and family what a great job you did for us! Layla & Troy

Thanks for all your help (came with a flower arrangement) Andrew, Heather & Alex

Dorothy, I hope you know how much I value our relationship.  You always do an outstanding job and I am pleased to see the deserved success you have achieved.  Dave

Dorothy, Thank you for making such an important process easy and pleasant.  Maybe we will work together in the future.  Paula

Dear Dorothy, Just wanted to drop you a note to say thank you for all you did to help make the mortgage loan process go so smoothly and more pleasurable than it could've been.  Thankfully, I had no problems on closings because of your help and expertise.  It was nice to work with you and got to know you a little.  Thank you again for everything - am so grateful Pam recommend you.  May God bless you in a special way.  Sincerely, Jane

 Good morning Dorothy, Everything went well.  Kat and I was surprised it went so smoothly.  Thanks for all y our help.  We will definitely will be recommending you to our friends who are looking to buy.  Thanks again, Joey

 Hi Dorothy, thanks for great service.  i would highly recommend you to my friends.  Thanks, Madan

Dear Dorothy, Thanks so much for taking care of us during our transition to a new home in Birmingham.  We really appreciate the professional, friendly service and will gladly refer your company to friends.  Sincerely, Jack & Mary Pat

Dear Dorothy, Nick & I truly appreciate you making our house buying experience so seamless especially since we already had so much going on! It was very sweet of you to think of us and we truly appreciate your generosity at this special time.  Take care, Ana-Maria

Dear Ms. Reid, I wanted to thank you for all of your help during my purchase of my first home.  I will admit that I have been a little stressed throughout the process that is new to me, but thankfully, due to nice people like you, it was much smoother and easier than I expected.  Please know that I will be referring all of my friends to you when they get ready to make major investments.  May God bless you and your business.  Thanks again! Sincerely, Corie

Dorothy, Just wanted to thank you for being a part of my first home buying experience!  I appreciate your patience with me as a first time buyer and your willingness to teach me about the process along the way.  You really helped the process to be easy and enjoyable.  Thank you again, and know that I will happily refer you to anyone I know or meet that is in the market for a mortgage.  Hope to see you soon, Adrienne

 I wanted to send you all an email to say thanks for making our purchase and renovation go so well.  The contractor doing most of our work left a lot to be desired but everything else from the agents (Georgann) to the mortgage broker (Dorothy) to the lender could not have gone better.  I highly recommend them.  And Dorothy did the near impossible by getting the loan closed on time.  I know you guys make recommendations for each others services all the time and I wanted to take the time to tell each of you that we highly recommend all of you.  From one customer's perspective (and unfortunately we have way too much experience in this buying/selling stuff) you guys are the best.  Thanks again for everything and you all have a safe, happy and relaxing holiday.  Alfie

Dear Dorothy, Brian and I want to thank you for all your help in getting our house.  We honestly don't think it would've been possible without you.  You really came through when we didn't think it could happened.  We will be forever grateful.  We also want to thank you for your support during the closing.  It wasn't an easy experience, but it definitely helped to have people on our side.  We are getting settled and enjoying our home.  Thanks for being a part of it. Love, The Deadwylers

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Dorothy's cell is 205-567-3551 -- leave a message 24/7!