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MortgageRight makes the road to homeownership smooth and easy. We have locations nationwide, and we lend directly to homebuyers, eliminating the middle man to ensure a fast, worry-free process.

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Apply Now in Just Minutes

Just click this link to apply now. You will be redirected to a mymortgage-online.com site powered by EllieMae where you can quickly and securely submit your mortgage application.

Step 1 - Create a login.

Step 2 - Verify your email address. Just check for a MortgageRight email from noreply@elliemae.com.

Step 3 - Log into the Ellie Mae site and complete your application in just 5 minutes!

The MortgageRight Birmingham team will contact you within 1 business day to review your options and help you prepare to purchase or refinance your home.

Buying a home is exciting, and it comes with a sense of pride, stability, and community. But no two journeys to homeownership are the same. There are hundreds of things to consider, and some lenders make the mortgage process more complicated than it should be. MortgageRight helps you identify the mortgage that is right for you, and we handle all the details so you can focus on getting ready to start your life in your new home.

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1.

Get Pre-Approved

This is the time to get in the know. A pre-approval will give you an advantage when you find your perfect home. We can tell you what you need to get pre-approved, so you know the exact loan amount you qualify for, what your monthly payment will look like, and how much taxes and insurance will be. With a pre-approval, the loan process will be smoother and your offer will be stronger.

2.

Choose a Loan Program

Fixed rate? Adjustable? FHA? There are multiple loan options that may fit your unique needs, and we can help you choose. Are you looking for the consistent rates and payments that a fixed rate loan can provide? Do you want the short-term benefits of lower rates that an adjustable rate loan can bring? Our extensive portfolio of loan options means you have more options available to get just what you need.

3.

Loan Application

Your application will provide a complete picture to loan investors of your assets, debts and what you are buying. You will need to provide documentation, including a photo I.D., pay stubs, proof of income, tax returns, employment history, and information on all debts, assets, and sources for down payments. Don't worry, we will let you know exactly what is needed for the loan application so you can be fully prepared.

4.

Processing & Underwriting

Your loan has specific investor guidelines that must be met, and an underwriter will review your documents to be sure that you meet them. While an underwriter reviews your file, an appraisal will be ordered on the home. Additional information may be requested, so don't panic if you have to turn in more documents. That's just the underwriter working hard to get your final approval.

5.

Loan Approval

Before your loan is approved, you will receive pre-approval and a list of closing conditions that need to be met. These conditions can include verification that your employer is current and proof that homeowner's insurance has been obtained. Once closing conditions have been satisfied, the underwriter issues a clear to close. Congratulations, your loan has been approved!

6.

Loan Closing

With an approved loan, you are on the home-stretch towards closing. The lender will send closing documents to a title company that draws up paperwork and arranges for signing of documents. Once the documents have been signed and funding conditions have been met, the title is recorded and the process is complete. You are a proud owner of your new home, and the keys are yours!

More than a mortgage. Always.