MortgageRight Birmingham

Joe Bear is the best lender we have ever dealt with. 10/10 do yourself a favor and let them guide you through the home buying process. You won’t regret it.

I worked with Jason Cook and he was phenomenal!! Available day and night to answer my questions, give me instructions and explain in detail with a lot of patience. I really appreciate that!!

I heard about TJC Mortgage from WDJC's adline. Decided to inquire online to see if I could afford a home, and to get more information on a mortgage. Josh Winn called me back the day after I put in my online request and he spent a good amount of his time explaining everything and breaking it down for me to understand (which was exactly what I needed). Josh pre-approved me over the phone and referred me to the best-fit realtor for my needs. Josh was my right-hand man in this whole process. I was deathly afraid that buying a house was going to be a long, drawn out process—but with Josh’s help and quick assistance, I was able to find a house and close within 30 days! Josh is great! What I liked about Josh the most during this process is how he was there for me, whenever I needed him. No matter what the question or random thought that came to my mind, he was there to respond in a matter of seconds. I am forever thankful for Josh and the TJC Mortgage team.

I have used MortgageRight now 3 times, and they make it an easy experience. Their own line portal makes filling documents and getting signatures really quick and easy.

Mr. Molde and his team got my loan handled QUICK and efficiently..they made my process SO much easier..!!

We’ve worked with Dave and his team twice now, and we could not be more pleased. Their friendly, attentive approach makes them our emphatic recommendation to family and friends!

Worst experience. My fiancé and I were first time home buyers and after doing our research we decided to try TJC. Danielle was the person who helped us and from the bat I had an uneasy feeling. Should have walked away then. For starters, she kept getting our application information wrong. We were given a different explanation anytime we spoke to her about what numbers to expect. She would repeatedly say things like, "going to call you at 2:00" and would either a) call at 10 at night or b) not call at all. She texted everything. Which I normally would be fine with but with it being such confidential info I felt like it was super unprofessional. The day that we got our pre approval letter she kept telling me that we would not qualify for the particular one we were going for, I asked why because she had been telling us we were approved for 3 weeks. She called my fiancé by the wrong name and I corrected her in the next email and she then informed me that she had sent me the wrong information and that we were approved. She had not only gotten me confused with someone else but she had sent us someone else's information! I then knew that persons name, financial information, had their application, etc. She immediately texted me and said something along the lines of "omg like so sorry, someone else has a similar name as you please disregard those emails" And then proceeded to tell me WHY these people were being denied, telling me even more information about their finances. I was so thrown off. She begged for us to still use them for our mortgage and like a dummy I said ok. Only because we were so far into this. I told her my concerns of her never answering my calls, getting us confused with other applicants, etc and she promised to do right. FOOLISH ME. So we find a house on a Saturday, very competitive house. We decided to put an offer down on Sunday. I called Danielle on Saturday to tell her we would need some info for our realtor to finish our offer letter the following morning. After HOURS she texts me (of course, no call back) and was said she would get right on it. Well we go to our realtors office the next morning and she tells me that she tried contacting Danielle three times, all in different forms of communication and never heard back. We went on a limb and used another mortgage lender that we had been recommended from friends and she did everything for us from start to finish in about 20 minutes. I called, texted, and emailed Danielle that we were not using them anymore and why. Danielle texted our realtor that next WEDNESDAY our information that we requested that Saturday. She ignored my messages of us saying we were giving them the boot. Had we stayed with TJC we would have lost our house that we were wanting. Danielle Charlnoes was easily the most unprofessional person I have EVER worked with and I am so thankful we went a different route. We know several couples in the home buying process and after hearing of our experience they have chosen to do their mortgages elsewhere. I hate that one person can taint a whole company's review, but our experience was ridiculous.

I refinanced with MortgageRight using a VA IRRL vehicle. I was able to get a great rate and the closing costs were very low. I did a lot of "IRRL" shopping and research before I selected MortgageRight. MortgageRIght had great reviews, and are A+ rated on the Better Business Bureau. MortgageRight was able to meet all of my objectives of the refinance. The process was very smooth, they kept me informed each step of the way and met all my objectives of the IRRL refinance. I was able to close at my home on a Friday night making the final signing very convenient. I am pleased with the outcome and would use MortgageRight again. Highly Recommended.

Poor Business Practice. Potentially unethical We have our house on the market. We received an offer from buyers who were given a loan pre-approval letter from TJC Mortgage stating that they were approved for USDA loan. This letter accompanied the contract that we then signed after agreeing on the price of our home. We then found a home ourselves - drew up a contract and made an offer to another seller who accepted our offer. We then find out that our buyers financing fell through. Our Buyer was told by their lender that they now do not qualify for the USDA loan. This TJC Mortgage Company wrote a letter of pre-approval before they even ran the couple's credit - wasting all of our time and almost costing myself and my husband 1000's of dollars. How does a company get away with writing up approvals of credit prior to actually doing their job and checking one's credit background to actually see if they qualify? Of course this shortsighted behavior has inconvenienced the buyers, their agent, my family, our agent, our lender, and the sellers we were going to buy from and their agents as well. All because TJC Mortgage - did not do their due diligence and check the credit of a couple prior to writing up their approval. There should be a law against that.

Start to finish my wife and I were very pleased with the service from Mortgage Right. They were always available to answer any question we had whether it be early in the morning or late at night. Great company!