Lincoln Smith

S.V.P. Business Development & Recruiting
NMLS # 351964

Lincoln is VP in Business Development and Recruiting for MortgageRight, formally known as TJC Mortgage.  Lincoln grew up in the Birmingham area and then graduated from Auburn University with a bachelor’s degree in Finance.  Lincoln is a member of the Birmingham Track Club, Camp Smile-a-Mile, Birmingham Zoo, along with other organizations in Birmingham.  He has his mortgage license in Alabama and has been in the mortgage business for 22 years. Lincoln strives for customer service, ethics, satisfaction, and the 7 practices of professionalism.

7 Best Practices for True Professionals

  1. Prepare character and competence to develop disciplined habits and instincts so they can do the right things well, even under stress, thus earning trust in self and from others.
  2. Earn empowerment rather than wait for it.
  3. Practice “no excuses” accountability.
  4. Develop ethical fitness and decision-making from the start.
  5. Decide to think with positive expectancy and make the best of situations.
  6. Fulfill your calling and live a legacy to find meaning.
  7. Be a champion for your calling, your professional, people you serve, and your organization.

Jennifer Bevis:  Processor
Camie Funk:  Loan Partner
Reachel Trawick: Business Development

Mortgage Loan Options







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'

Use our free mortgage loan calculator to start estimating how much home you can afford and what your payment will be. This calculator is for estimating purposes only.

There are many factors that can affect your mortgage rate and payment, including credit score, income to debt ratio and current assets. Our mortgage loan specialists at MortgageRight are ready to help you through the mortgage process.

The calculated results are intended for illustrative purposes only and accuracy is not guaranteed. Be sure to consult a financial professional prior to relying on the results.

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