Vice President - Branch Manager
As a local mortgage lender and in banking for over 30 years, Michelle joined Merchants Bank of Alabama, now a division of SouthPoint Bank, in 1994. She considers her customers and community as family and will provide you with the personal service you expect and deserve. Whether your need is a home purchase, refinance, new construction or home equity line of credit, with Michelle, you will get the guidance and answers you need to work through the mortgage process. You will come away with a lending relationship built to last far beyond the closing table.
As a lifelong resident of Cullman County, Michelle attended Wallace State and graduated from Samford University. She is a volunteer with the American Cancer Society, is a member of the Cullman County Relay for Life Committee and has participated in the Cullman County Relay for Life events for 20+ years.
Call and get started today to make your dream house a home. Let Michelle be the key that unlocks the door.
The mortgage process couldn't have gone smoother. Michelle was extremely patient and attentive with us in answering all of our many questions. She never left us hanging as she always got back to us in a timely manner. The whole time we felt like we were talking with a trusted member of the family. We highly recommend Michelle to work with.
I just wanted to say it has been a pleasure working with Michelle. Not only does she do what she does with promptness and very timely, all the while she does it with such a pleasant, positive attitude. I remember moving to Cullman, where a new place can be scary, but with Michelle, she made our move and our purchase so pleasant. She guided me through the process, always with a smile. She always returned calls and if possible, would talk to me. I remember when we closed on our loan, I came in with 4 kids, they were practically climbing the walls, I kept apologizing to Michelle, she just smiled and said it's ok. Being an adoptive parent at 56 I know anyone who can work and still have a smile is awesome after my four. I am an insurance agent in Cullman and recommend Michelle to everyone that I come across. I tell them that if they want promptness, caring and a respectable loan officer she is the loan officer you would want. Merchants is blessed to have such a wonderful person as Michelle working for them. Michelle will always be the one I go to on everything because I know when I found her, I know I found the best loan officer in Cullman.
As a first-time homebuyer, Michelle's extensive experience and advice proved invaluable as she patiently and thoroughly walked me through the loan process and the various obstacles that come with buying a home, especially in a competitive market. She explained each process and ensured I received the best interest and loan option available. I cannot recommend her enough - particularly if you are buying your first home.
When you think of a hometown bank with a hometown lender; you think of people like Michelle Kimbrough. Michelle's expertise and demeanor ease the stress of the lending process. I feel like Michelle had nothing but my family's best interest in mind during the entire process and was quick to answer any questions we had and was able to lend advice during our construction loan and refinance process. I would definitely recommend her to anyone. People like Michelle are why I conduct all my banking with Merchants Bank [of Alabama, a division of SouthPoint Bank].
- Shane R.
The mortgage lending process has always been so easy when working with Michelle. My wife and I have a busy life, and Michelle made every step in the process as easy as possible. She was always there to talk and responded to emails whenever we needed more information. We were very blessed to be able to work with Michelle for both our construction loan and refinance!
Michelle helped make our mortgage process easy to comprehend. She was always able to walk us through our options in a friendly and patient manner. Even though our particular set of circumstances was complex, her guidance allowed us to move through a new home purchase, remodel, appraisal and refinance with no hassles. This was all accomplished during the beginning of the COVID pandemic. Though there were numerous concerns weighing on our minds as we adjusted to regular changes in protocols that spring, our mortgage was never a concern for us because we knew Michelle was there to see us through to completion. We love our new home and she played a big role in seeing that dream come true.
- Shane S.
Thank you for all you did! I was extremely nervous about even knowing where to begin in the process of how to get started on a construction loan. One call to Michelle Kimbrough is all it took. She made every step of the way go smoothly and worry-free. My experience was wonderful and she treats you like family!
Merchants Bank [of Alabama, a division of SouthPoint Bank] and Michelle Kimbrough helped our family with multiple loans over the past several years. We have always been very pleased. Michelle is always responsive and quick to return phone calls, texts and/or emails. The best part, absolutely no surprises at the closing table. We recommend Michelle to our family and friends often.