About Russell

Russell Carmichael is a Mortgage Loan Officer, Vice President of Lending, and Branch Manager with Lower, proudly serving Decatur, Hartselle, Athens, Madison, Huntsville, and the surrounding communities throughout North Alabama. Russell began his career in banking in 2008, building a strong foundation in customer service, relationships, and financial solutions before finding his passion for mortgage lending. An experienced mortgage professional and consistent top producer, Russell specializes in navigating complex mortgage transactions and finding solutions when financing isnt straightforward. Hes known for his ability to overcome challenges, communicate clearly, and get things done. His commitment to exceptional service and strong relationships earned him the Morgan County Association of Realtors 2024 Affiliate of the Year award. Russell believes every homebuyer deserves honest guidance, personal attention, and a lender who takes ownership of the process from start to finish. Outside of work, Russell enjoys spending time with his wife and son and is proud to call North Alabama home.