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Providence South Mortgage, LLC Company NMLS #2805380 | Clayton Cooke MLO NMLS #1769589. Equal Housing Lender. Terms subject to qualification.
Your Future Home,
Financed Locally.
Providence South Mortgage, LLC delivers personalized home financing across the entire state of Alabama. Led by Clayton Cooke, we combine expert local guidance with the technology you need for a faster, smoother closing journey.
MEET YOUR team
clayton cooke
Clayton Cooke is the founder and principal broker of Providence South Mortgage, LLC. With over a decade of personal experience navigating Alabama’s lending landscape, Clayton has dedicated his career to demystifying the path to homeownership for local families. His approach is built on the foundational values of transparency, integrity, and a deep-rooted commitment to the people of the great state of Alabama. As a local expert, Clayton understands that every loan is as unique as the property it secures. He combines editorial precision with personal advocacy, ensuring that whether you are a first-time homebuyer or looking to transition to your next move-up home, you receive a tailored financing strategy that prioritizes your long-term financial health and peace of mind.
claycooke@provsouth.com
james tillman
James Tillman — known to most as "Pop" — brings the heart of a family man and the grit of a lifelong salesman to every client conversation, grounding every interaction in authenticity, patience, and genuine down-home sincerity. Before finding his calling in mortgage lending, James spent more than 15 years helping families through the health insurance world, and when the pandemic shifted his path, it only reinforced what his clients had always seen in him: someone who truly cares. He works with a wide range of loan programs, tailoring each solution to fit the borrower's unique story and long-term goals. A proud father of six and a growing number of grandkids, James understands firsthand the importance of home, stability, and legacy — and he doesn't stop until the job's done right.
jamestillman@provsouth.com
Tailored Loan Programs for Alabama Homeowners
Whether you're buying your first home or refinancing your current one, we offer personal guidance through every step of the mortgage process.
Conventional Loans
Standard financing with competitive rates and flexible terms for varying down payment amounts.
USDA Loans
Zero down payment loans designed for homeowners looking to purchase properties in qualifying rural areas.
VA Loans
Exclusive mortgage benefits for veterans and active-duty military, often with zero down payment requirements.
Refinance
Unlock your home's equity, lower your monthly payments, or shorten your loan term with our refinance experts.
FHA Loans
Accessible financing options for first-time buyers with lower down payments and flexible credit criteria.
Move-Up Loans
Ready for more space? We provide seamless transitions through custom financing for your next larger home.
Trusted by Alabama Homeowners
“Clayton Cooke is a true professional. He guided us through the VA loan process with total transparency. Highly recommend for any veteran in Alabama.”
Michael S. — Vestavia Hills, AL
“Clay made our first home purchase in Moody seamless. Their local knowledge and personal touch is what sets them apart.”
The Thompson Family — Moody, AL
“The best rates and the best service. Clayton truly cares about finding the right mortgage for your specific family needs.”
Sarah L. — Birmingham, AL