Camie Funk

I have been a Birmingham, Alabama resident for most of my life and have spent several years in Tennessee. I’ve traveled nationally and internationally throughout the years and have become especially familiar with the states I am licensed in (AL, TN, FL & GA).

I love all things gardening, nature, colorful, traveling, and holistic healing. I’m blessed to be the mom of my wonderful 7-year-old son and two fur-babies. Parenting has shown me the value of patience and thinking on my feet, which are just two of the many qualities I’ve carried into my work.

I came into the mortgage industry as a receptionist and soon moved to mortgage loan processing. There I spent 5 years diversifying my knowledge base and preparing to offer borrowers a well-rounded experience. My time as a processor has proven to be a great help in my current position as a Mortgage Loan Officer.

Exceeding expectations is my end goal when working with each of my customers. I serve them with compassion, integrity, and dedication. Going above and beyond to help them achieve financial success is my aim. Regardless of the situation or circumstance, I’ll never leave anyone behind. I will stick with my customers as long as it takes to help them reach their homeownership goals and evaluate each of their individual needs to develop a plan to guide them throughout the process.

My customers come to know me as “very attentive, responsive, and compassionate,” and I thrive on helping their dreams of homeownership become a reality. 

Loan Officer
NMLS # 2148509
901-484-9953
cfunk@mortgageright.com

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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 private mortgage insurance (PMI)
  • Seller can contribute up to 6% of selling price to cover closing costs

USDA MORTGAGE LOAN

  • Special financing in USDA defined areas
  • Flexible credit guidelines and qualifying criteria
  • Lower than market interest 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

  • Eligible for Veterans who have or are actively serving in the military 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
  • Offers 10, 15, 20, 25, 30 and 40 year repayment terms

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 mortgage 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
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The Benefits Of Refinancing

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. 

Remodel / Renovation

Lifestyle Upgrades

New Start-Up Business

New Baby on board / Adoption expense

Debt Consolidation

Education expense

significant Home damage

When she says 'yes'

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