205-776-8401 contact@mortgageright.com

It all begins with HOME.

Where Are You In Your Journey?

Buying a home is a very exciting time. It comes with a huge sense of pride and offers a sense of stability and community.

When it comes to mortgage loans, no two journeys to buying a home are the same. With a mortgage payment commitment of 15, 20 or 30 years, finding the best mortgage lender is more than just getting a good interest rate.

MortgageRight is dedicated to making the homebuying process easier and is eager to offer tips, tools and a staff of industry professionals to move you forward with confidence.

We’ve helped thousands of people reach their goals and realize their dreams. We want to help you as well.

Start Your Journey Today!

Dream it. Then, live it.

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Mortgage Loan Options

Conventional Mortgage Loans

Conventional loans are not insured by a government agency

Require a minimum 3% down payment

There are a variety of fixed and adjustable rate conventional loans to choose from

Generally carry strict guidelines on credit scores, loan to value ratios, debt to income and down payments

Interest rate varies based on credit score and loan term

Offers 10, 15, 20, 25, 30 and 40 year repayment terms

FHA Mortgage Loans

Great for first-time buyers and buyers with lower credit scores

FHA loans are not restricted to first- time home buyers or low-income buyers

Easier requirements for income and credit score

Minimum down payment 3.5% and lower closing costs

Mortgage Insurance may be less costly than PMI

Seller can contribute up to 6% of SP to cover closing costs

USDA Mortgage Loan

Special financing in USDA defined areas

Flexible credit guidelines and qualifying criteria

Lower than market intererst rate

No down payment required

Closing costs can be seller-paid or rolled into the loan

Lower monthly private mortgage insurance (PMI)

Ability to finance upfront PMI

VA Mortgage Loan

For veterans, actively serving military personnel and surviving spouses of veterans

Qualify with suitable credit, adequate income and valid Certificate of Eligibility

Borrow up to 100% with no money down and no mortgage insurance requirement

Veterans can refinance through the IRRRL (streamline refinance)

Can include cost of remodeling up to 103.15% appraised value

Jumbo Mortgage Loan

Financing for high-priced and luxury homes

Good option for self-employed buyers

Available for primary residences, second homes and investment properties

Flexible down payment minimum of 5% on loans up to $2 million

Mortgage insurance is not required

Jumbo cash out refinances up to 95% loan to value with no mortgage insurance

Reverse Mortgage Loan

Borrower remains the owner of the home

Can stay in your home without ever making another monthly mortage payment

With a Reverse Mortgage, the borrower receives funds payable when the last borrower leaves

Borrowers must occupy the property as their principal residence

Protection against a declining housing market

Physician Mortgage Loans

Lower closing costs

Put yourself in a better place.

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What Our Clients Are Saying

 

A huge thank you to Tayler Bisignani and Ben Willis at MortgageRight for making the financing process of our mortgage stress free, fast, and the best experience we have had when buying a house. Both were very professional, prompt and efficient. I highly recommend MortgageRight to anyone! Kim

 

I recently refinanced my home with MortgageRight and it was the best mortgage lending experience i have ever had. Chris Carter made everything easy for me and got me approved in less than 2 weeks. I highly recommend them to anyone in the market for a mortgage loan. Vickie Williams

First-Time Homebuyer Program

 

I was thrilled with the fast, professional service I received from Josh and his amazing staff. From the beginning of the process until closing, Josh was there to assist me any way I needed and was there to make things easy for me. I highly recommend MortgageRight. Ricky Thompson

 

Reagan Denson was fantastic during the process of obtaining a loan for our very first hoe. He answered my hundreds of questions with patience and simple answers. He listened to our needs and never pressured us to make decisions. Lindsey Underwood

Just a few steps away from your new home.