Do you only offer VA loans?

No. I'm a Mortgage Loan Originator with Edge Home Finance, LLC, a mortgage broker, so I can shop a file across many lenders. VA is the majority of what I do, and I also handle FHA, Conventional, USDA and Non-QM.

Do you only service the Dayton and Cincinnati markets?

Dayton and Cincinnati are the majority of my business. I am personally licensed to originate mortgage loans in 34 states, and through the Edge Home Finance, LLC corporate referral program I can help veterans in every state except New York. Edge Home Finance, LLC is licensed in 49 states and the District of Columbia and does not arrange, solicit, or originate mortgage loans for real property located in the State of New York.

Cannabis Mortgages In Alabama

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Are you looking to get a cannabis mortgage loan in Alabama?

I can help.

The marijuana industry is one of the trickiest areas of home financing.

Medical marijuana is legal in Alabama, but recreational marijuana is not. Federally, marijuana dispensed under a state issued medical license moved from Schedule I to Schedule III on April 28, 2026, so it is no longer banned outright, though it remains a controlled substance and businesses need DEA registration.

The state program is also just getting going. The first dispensary opened in June 2026 and only a handful are open so far, so most people working in this industry here are still on the hemp and CBD side.

Sadly, because of this, most banks will turn down anyone working in the marijuana industry.

The great news is it is possible for cannabis industry workers to get approved for a home loan.

Because I am a licensed Mortgage Loan Originator working through Edge Home Finance, LLC, a mortgage broker in Alabama with access to 150 lenders, I am able to find mortgage companies that are ok with doing weed related mortgage financing.

State law last reviewed August 27, 2026.

Separate from the income question, and easy to miss: Alabama’s disabled veteran property tax exemption exempts your home and up to 160 acres from the state, county and school portions of property tax entirely if you are permanently and totally disabled, with no value cap and no income test. You file it with your county assessor and it has nothing to do with how you earn your money.

Take the 30 second mortgage quiz to see if you qualify

Frequently Asked Questions About Marijuana Home Loans In Alabama

Is CBD Considered The Same Thing As Cannabis?

Unfortunately, many banks are overly conservative and turning down CBD-related income. However, the great news is CBD income is allowed on all programs, including VA, FHA, Conventional, USDA, and Non QM. You will need to find a flexible mortgage broker that can connect you with a lender that can approve CBD related income.

What Options Do Marijuana Dispensary Workers In Alabama Have For Mortgage Financing?

As a W2 employee of a marijuana dispensary in Alabama, you can get approved for a Conventional or Non–QM mortgage loan. Unfortunately, VA and FHA mortgages are not available for dispensary workers.

Can Marijuana Dispensary Owners And Growers In Alabama Get Approved For Mortgage Financing?

Unfortunately, if you are a marijuana dispensary owner or grower in Alabama, your options are much more limited. You cannot get any sort of traditional mortgage financing like Conventional, FHA, or VA. You can, however, get approved for a Non-QM mortgage loan. These loans include Bank Statement Mortgage loans, P and L Mortgage loans, and No Doc Mortgage loans.

Are You Able To Provide Cannabis Mortgage Financing In The Entire State Of Alabama?

Yes, I am approved to provide cannabis related mortgage financing in the entire state of Alabama including: Birmingham, Huntsville, Mobile, Montgomery, Tuscaloosa.

Can You Do Marijuana Industry Mortgage Financing In Any Other States?

Yes, I can provide marijuana industry mortgage financing in all states where I am licensed and marijuana income is allowed. I’m currently licensed in Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wisconsin. Additionally, through our corporate partner program, I am able to leverage our home office and offer mortgage financing in over 30 additional states.

Take the 30 second mortgage quiz to see if you qualify