Hi, I’m Camie Jo—Mortgage Loan Officer, proud mama, plant lover, and your go-to guide for all things home financing. My son is my heart and my “why,” and everything I do is rooted in building a better future for both my family and yours.
With over eight years in the mortgage industry, I’ve worn many hats—starting as a receptionist, working my way through processing, and ultimately earning my NMLS license. Today, I proudly serve as a loan officer, processor, and loan officer assistant, helping clients navigate the mortgage process from the first conversation to the closing table—and long after.
I specialize in helping individuals and families escape the rental trap and begin building property wealth. Whether you’re buying your first home or refinancing your current one, you won’t just get a loan officer—you’ll get a trusted friend. I’m here to make the process feel less overwhelming and a lot more colorful, just like my love for nature, travel, and all things vibrant.
Let’s take this journey together. I’m here to help you plant roots, grow equity, and make your homeownership dreams a reality.
Loan Officer
NMLS # 2148509
901-484-9953
cfunk@mortgageright.com
If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.
Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.
It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses.
