The best customer is a well educated customer.

I have taken some time to put together some resources for you. I hope you find them helpful. Of course, feel free to contact me at any time to answer any questions you may have.

Selling A Home

Buying A Home

Eraka’s Real Estate Tips

About Birmingham, AL

Eraka’s Zillow Page


Prequalify for a Loan




It is always a good idea to get pre-qualified prior to looking for a new home. This is really YOUR FIRST STEP. Everyone needs to know their boundaries. The pre-qualification letter can also assist me, your Realtor in negotiating your contract. After you have already found a home is sometimes too late!


It’s your choice to choose any lender. However, in my 30+ years experience some lenders will be easier to produce effective, smooth results. I have found the lenders below are professionals, competitive with their lender rates and bank charges. Over the years of doing business with them they have proven, good communication skills with you the customer, myself, co-operating Realtors, the closing title and attorneys. It is just as important to choose a dependable lender as it is to have a professional Realtor. These lenders do conventional, non conforming loans, FHA, VA. I also have other Lender options that we can discuss if you have had past credit problems.



Cindy Pace

Bancorp South       2211 Highland Avenue

Office 205-939-4249

Cell 205-616-4536

Fax 205-933-2603




Denise Weaver

DHI Mortgage

2188 Parkway Lake Dr. Suite 100  Hoover, AL  35244

Office: 205-822-7899

Cell: 205-704-0247



DHI is the lender for DR HORton. However Denise does OTHER properties also. She also has a staff to ASSIST in Credit Repair and instructions on establishing credit thru their Home Buyer’s Club.


Gloria Jackson

First Federal Mortgage

2871 Acton Road, Suite 200   Birmingham, AL 35243

Office: 205-969-3334

Cell: 205-965-2167




Graham Hutson

The Hutson Company

1 Independence Plaza Suite 816   Birmingham, AL 35209

Office 205-870-7777

Cell : 205-266-4585


Eraka Sims Broker/Owner, GRI, CRS, CCIM

“Let me Help YOU find YOUR Bear Cave”

BEAR Realty 6242 Old Tuscaloosa Hwy  McCalla , AL 35111 cell: 205.296.4900 Office: 205-344-BEAR web site:   and many other domain names…just Google Me Email::